Will the bank change my interest rates if and when the Authorized User credit cards fall off my credit report?

Once you finalize a loan with a bank or credit union, the financial institution is contractually bound to honor the terms of that agreement. That means your rate cannot be changed simply because you are no longer an Authorized User on an account as long as the loan processing has been closed. However, if the tradelines fall off of your credit report before the loan has closed, the terms may be changed based on the standard policies of the financial institution to which you applied.

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