<prompt> Human: Is there a way to cancel my card and get rid of the hard inquiry on my credit, without her having to close the account? I dont want the hard inquiry on my account which will bring my total count up to 3 hard inquiries with this latest inquiry. Were trying to get a mortgage for a home loan and this hurt my score.  <response>: Why would it be a hard inquiry for you? Is this something different from simply adding you as an authorized user? 