<prompt> Human: We are looking to compile points for a big vacation next year so my wife spear headed the project and opened about five credit cards in the past six months to churn and build up points as we clear the bonuses. She adds me as an authorized user and we rotate cards to clear the bonuses together. Because of this, the average age of accounts on my credit report has gone down about two years and lowered my credit score somewhat, even though we dont carry a balance month to month on any of them.Why would this impact portions of my score when they dont run my credit and Im simply an authorized user? Im not following the logic here since it doesnt seem like I am legally responsible for paying the bill.  <response>: Authorized Credit Cards Report as your account on a credit report. This is either a good thing if card is in good standing or a bad thing if its not in good standing.You are not legally responsible for the debt however.Unless youre taking a loan out soon, dont worry about small fluctuations in your credit score, its a waste of your time. You can get yourself removed as an authorized user whenever you want. 