<prompt> Human: Hey everyone. 6 years ago my parents added me as an authorized user on one of their credit cards in order for me to establish some form of credit history while I was in college. Fast forward to today, Ive opened up 3 of my own credit cards, with the oldest one being 3 years old. On my personal credit cards, I carry a zero balance pay them off each month. Unfortunately my parents card has a high balance which has been impacting my credit score since my utilization is seen as high. Would the benefits of having a lower utilization rate result in a net positive in my score? Or will my oldest credit card age decreasing from 6 years to 3 years either A Negate any gains or B Drop my score even further? Thanks!  <response>: Id remove myself. Thats what I did and in three months my credit score shot up from the 670s to 730s with the new low balances I was carrying. 