I made this card so that I can get credit(had no credit) this was about 3 years ago. I recently pulled up a credit report and saw that my mom's credit card had about 50 percent balance of the credit limit with good payments.My own credit cards are about 1~2 years old.I want to keep my credit card balances less that 25%~30% of the credit limit.I was thinking about removing myself from her card because I wanted all of my credit card balances to stay low or paid off,plus I don't need her credit card.The question is,would it be better for my credit score if I removed her card and kept balances low and paid off OR keep her card because it's the oldest card I have(remember it has 50% balance and I'm only a authorized user)?(I know that 35% of the credit score comes from bill-paying record and 15% comes from history.30% from how much you owe.10% how well I mix credits.10% inquiries)
but 50% balance??? what should I do?