I am an AU on a Bank of America Cash Rewards card. The card originally had a limit of $ 9k and was opened last spring. The card has served its purpose, as I no longer need any help with my utilization.
My thoughts were, remove myself as an AU on this card (also bc it has a 18k limit now and I have my own cards with 15k limits) and then call each bureau to dispute. Wouldn’t this also give me a slight bump to my AAOA? The card is always PIF’d so I am not worried about that part. But if there is not going to be any significant boost to my AAOA then I am fine with leaving it.
We also have a joint account, my Amtrak, which is currently in the process of being changed to just me. I was figuring it would look better to have more credit independence with BOA.