When I was in college, my dad added me as an authorized user on his credit card. My understanding was that I would not be legally responsible for this card and that it would not appear on my credit report. I graduated a few years ago and am working full-time and paying rent, utilities, medical bills etc. I have tried to apply for my own credit card but keep getting rejected, even though my credit score is in the 700s. I ended up signing up for a card with an annual fee and a credit limit of only $300, in an attempt to build my credit history.
Today I ran a credit report and was surprised that my dad's credit card appeared. Now I'm wondering if this is the reason I can't get a credit card of my own. My dad pays his balance off every month, but the amount he spends per month is often higher than my monthly salary (sometimes closer to my yearly salary...). If credit card companies think I'm responsible for that, I can see why they don't want to give me a card!
Is it true that this is the reason I haven't been able to get my own credit card? If I ask my dad to remove me from his account, will I have to wait for a while for this to fall off my credit report?
Response to comments: I am in USA. The credit card companies said they were rejecting me due to my lack of credit history, but also told me the credit score they received for me was in the 700s. My credit report did not include my credit score (I thought they usually don't?) but the last time I checked my credit score it was 720, I think. My credit score included my own, low-credit-limit card and my dad's card and noted that credit card companies had been requesting my report (including one that requests my report every month for some reason). There were no missed payments and nothing else alarming on there.