<prompt> Human: Given the following, what should I do? Im torn.A few weeks ago my mother, without my consent, added me as an authorized user to her Macys credit card, thinking that it would help my credit. She has had the account since 1995, so 18ish years. I have no clue of the cards history or if any delinquency is present regarding the cards past. My CreditKarma account reported that the added card dropped my score by 10 points. I have no interest in having this card tied to my name or my credit history. Will it hurt me to have it removed, to remove my name as an authorized user, so close to when I was added initially?Im mid-20s, have a small number of credit cards other than this, and a TransUnion score I think is decent for my age and income. I dont know what I should do here. Any advice would be very helpful!  <response>: Did you pull your credit report? It will say if the account has delinquenciesmissed paymentslate payments on your report. Dont worry too much about 10 points. My credit dropped 10 points and went back up 10 points in a matter of weeks just based off of when I was in the billing cycle. Adding you might have down a hard pull on your credit which your report should show which can bump it down a bit, but that will fall of in 6 months or so I think. You can call the reporting agencies and have that account taken offs our credit reports if you are just an authorized user. However, being young, one of the main reasons for lower credit is not having a long credit history, so I would leave it if it has no delinquencieslate payments and its been open longer than your other cards. Also, it will increase your available credit assuming she doesnt max it out and pays it off every month, which will help your credit. However, if its constantly maxed out, Id have it taken off. My parents added me as an authorized user on an account when I was 12 or so. The account was opened in 21988, and I was born 31988, so I had credit in the womb. This has been a great help to my ability to get loans at good interest rates. 