<prompt> Human: I have pretty bad credit 680, only 3 accounts with a total limit of 5,500, which I usually almost max out monthly and pay on time.My wife had much better credit 760 with over 50k limit which she doesnt max out and always pays on time.Last week I opened a new credit card account 2500 limit and added her as an Authorized Member. I charged 1700 on it in the first month which I paid before the due date. As soon as this account showed up on her credit report her credit dropped to 644!What should we do? Remove her as an authorized user? Limit the percentage we use on the account so its less than 10 of its limit?Any ideas? Were kind of freaking out here! :Assistant: You can pay 90 off a few business days before the end of a billing cycle, wait for the statement, and then pay the statement balance by the due date. This will reduce your statement balance credit utilization.You adding her also changed her newest account and average account age. So dont be alarmed.Human: Would me removing her as an Authorized User hurt her score even more, or do you think that could bring her score to where it was before? Thanks a lot!  <response>: If you remove, it doesnt leave a trace. Like it never happened. 