Closing the credit card sharing account may have a certain impact on the credit record and credit score. Sharing a credit card account means that many people use the same credit card together, and the credit record of the shared account will be submitted to each cardholder's credit report. When shared credit card accounts are closed, the credit records on these shared accounts will not be updated, which may affect the credit score of cardholders.

After the shared account is closed, for the main cardholder, the account closure may lead to a decrease in the credit limit, which in turn will affect the credit utilization rate. Credit utilization rate refers to the proportion of credit card usage to credit limit. When the credit utilization rate is too high, it may have a negative impact on the credit score. Therefore, if the credit limit is reduced due to closing the shared account, the credit utilization rate may increase, which will have a certain impact on the credit score.

In addition, the default of the shared account will also have an impact on the credit history of each cardholder. If a shared account has default, overdue and other credit behaviors, it will have a negative impact on the credit record of each shared account holder. Therefore, if there is a breach of contract in the shared account, the impact may be reduced after closing the shared account.

It should be noted that the specific impact of credit score and credit record varies according to individual circumstances, including joint account history, credit limit and other credit behaviors. Therefore, before considering closing the shared account, it is recommended to consult the credit card issuer or related professionals for specific suggestions on personal credit status.