Cookies collect information about your preferences and your devices and are used to make the site work as you expect it to, to understand how you interact with the site, and to show advertisements that are targeted to your interests. Otherwise, the account will continue to be reported for the duration of the credit reporting time limit or indefinitely if the account is kept open and in good standing. When you report a card lost or stolen, we wont process any pending SUPERCHECKS associated with the account. While these factors can benefit an authorized user trying to build good credit, they can also hurt a credit score. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. It has not been provided or commissioned by the credit card issuers. How to transfer a balance to a Wells Fargo credit card, Credit score needed for the Wells Fargo Reflect Card. 7. 13. "If your account has a long history in good standing with low utilization, then removing the authorized user could have a negative impact on the authorized user's credit," Kinane explains. NMLSR ID 399801, Wells Fargo Card Design Studio Service FAQs, Responsible Lending Principles for Consumer Credit. Some might remove you on your own say-so, but others will also require your partners consent to have you removed as an authorized user. "If you give a card to an authorized user, be careful and set boundaries," Johnson says. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Even if the user paid his or her full share each month, that high credit utilization ratio negatively affected your credit. . If, after removing yourself as an authorized user, the account still appears on your credit report, you can dispute the account to have it removed. Cash Advance An authorized user is an additional cardholder on someone elses credit card account. Wells Fargo Propel American Express Card Account Agreement - Wells Fargo Page 2 of 12. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Rewards. You're generally able to remove yourself as an . See more To learn the requirements for your card, just call customer service and ask. and have not been previously reviewed, approved or endorsed by any other If you do carry balances in the future, though, your credit utilization factor will be higher, which would mean a less beneficial impact on your score. The pros of being an authorized user. Most credit card companies report an authorized users credit activity to the three major credit bureaus in the U.S. (Transunion, Experian and Equifax). You can add them as an authorized user to one of your credit cards," the post begins. to maintain accurate information. Please try again later. Are you sure you want to rest your choices? Chauncey grew up on a farm in rural northern California. Removing yourself as an authorized user on a credit card could help your credit, depending on how the account is being managed. Bank of America offers expedited shipping for special situations, such as impending out-of-country travel. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. For that reason, some parents will add their children as authorized users so that even as minors they can get a head start on building credit. It's always wise to follow up with a certified letter with the same information to ensure that the credit card company removes the user. Adding or removing an authorized user is fairly simple, according to Kinane. Wells Fargo takes over Choice Privileges card by mediocrebadguy on 02-24-2023 05:00 AM Latest post on 02-24-2023 09:36 PM by AzCreditGuy. You can then click "Additional cardholders for your account" to remove any of the authorized users on your account. Credit management Simply put: Adding an authorized user represents a potential strain on personal relationships if problems arise. If you're having a problem with a bank account or service or another financial product or service, you can submit a complaint to the CFPB online or by calling (855) 411-CFPB (2372). For example, the Chase Sapphire Reserve charges $75 per additional card member. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. The user is getting his or her own credit card. However, if the primary account holder can't or won't call for you, e.g. Removing an authorized user from a credit card account is fairly simple. Call the number on the back of a credit card and let the issuer know your intentions. An authorized users credit will be impacted by the actions of the primary cardholder. However, reviewers cite free expedited shipping on any new card if you ask for it. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. Pros You can also mail your request to the issuer, though it would be much slower. But with the user removed, you can keep your utilization below the recommended 30 percent of your available credit. Commissions do not affect our editors' opinions or evaluations. If youre on good terms with your partner and they are on board with the plan you outlined, getting their consent should not pose a problem. Any charges the authorized user makes are added to your balance. Obviously fraud considering all random purchases were made the same day. read full answer As joint account holders, you are jointly liable for the credit card balance and you cannot simply remove your name from the account. Sign on to the Credit Card Service Center and select Add Authorized Users to Your Account under Account Management. 1. However, there are some instances when you should remove an authorized user from your account. Will Being an Authorized User Help My Credit?, Experian. 2023 Forbes Media LLC. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Adding someone to your credit card as an authorized user is a simple way to potentially buoy their credit scores, assuming you've paid the account on time and haven't used too much of. How do I remove an authorized user from my credit card? Dia Adams is a noted family travel expert and a real-life Mom of two teens in the DC Metro area. With tools like CardMatch and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions. In that case, you'll have to ask that person to call and have you removed from the account. Privacy Policy. Heres what you need to know. Removing Yourself as an Authorized User Could Help Your Credit., Consumer Financial Protection Bureau. Naveg a una pgina que no est disponible en espaol en este momento. Simply log in online or call the issuer. An overview of individuals who have been added to each account. You might also want to remove yourself if you were added without permission. This includes family members, of course, but can also include friends, employees or anyone else youd like to add. If you cancel an automatic payment on a loan, you still have to make payments on that loan. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. 3. This way there are no surprises the next time he or she tries to use the credit card. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. The most important difference between the two lies in who is ultimately responsible for the debt on the account. Account Access Manager provides owners and key executives: We recommend that you review who has access to your accounts from time to time to ensure it meets your current needs. Adding an authorized user to a credit card also offers a handy way to keep rarely-used accounts active. Privacy Policy. When you add an authorized user to your account, that person receives a credit card in the mail with its own unique number. On the flip side, you might be an authorized user whose credit is being harmed by the primary account holder. No single credit card is the best option for every family, every purchase or every budget. The authorized user may not get notified once removedthe card will simply stop working. Click "Customize My Account" link under "Account Information" box in top left corner of screen. Adding someone as an authorized user to a credit card account can be beneficial for friends or family struggling financially, but its usually not financially helpful to the primary cardholder. You could even add him, then not give him the card :) (will boost his score, and reduce/remove chance of misuse) It will help him build his score depending on your credit card use. The primary account holder is responsible for all the purchases you made on the account, even the ones you made. Some banks allow younger children to be added as an authorized user on an account. If the primary cardholder has poor standing or misses a payment, both the primary cardholder and authorized user will suffer decreased credit scores. Adding your partner as an authorized user to your credit card is one way to help your partners credit provided, of course, that you are responsible for your own use of the card. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. March 16, 2021, at 10:14 a.m. She is a FINRA Series 7, 63, and 66 license holder. Lets face it theres a lot of jargon and high-level talk in the credit card industry. This can also lead to a decrease in credit scores for both parties. When to remove an authorized user from your account Under what circumstances should you remove an authorized user from your account? In addition, it has a co-branded card with Hotels.com that's suitable for folks who frequently book hotel rooms. Privacy Policy. Adding an authorized user to your Wells Fargo credit card could improve the credit of your spouse, children or friends. Conversely, if you miss payments or carry a high balance, that can drag down your authorized user's credit score. 2. How To Find The Cheapest Travel Insurance, younger children to be added as an authorized user on an account. Please review our list of best credit cards, or use our CardMatch tool to find cards matched to your needs. However, not all issuers empower authorized users to make this type of change. Removing yourself as an authorized user from a partners credit card account is a relatively simple process if your partner goes along with the plan. You can also visit a Wells Fargo branch and speak with a banker. Always set up a payment plan and have a plan for if things go differently than expected. This compensation may impact how and where products appear on this site, including, for example, the order in which they appear within listing categories. If this information is reported, it will typically show up on your credit report in around 30 days. Step 2: Click "Add an authorized user" at the bottom. NMLSR ID 399801. Review who has access to your business accounts. Authorized users have it good. Am I Responsible for Charges on a Joint Credit Card Account if I Didnt Make Them?. Choose the accounts a new user can access. An authorized user is someone who has access to your credit card account. Businesses can select from Simple, Choice Platinum and Analyzed. Select "Access & Security Manager" from the drop-down menu. Track card reward points and redeem options. But dont ignore the risks. Performance information may have changed since the time of publication. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. Because you and your child's credit card number may have been the same,. Through My Wells. $200 cash rewards bonus after spending $1,000 in purchases in the first three months from account opening. Her career includes a stint doing consumer market research for global advertising agency Ogilvy & Mather. How do I add an authorized user to my card? Adding an authorized user can keep an old credit card account active, especially when activity is positive. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. You can find out more about our use, change your default settings, and withdraw your consent at any time with effect for the future by visiting Cookies Settings, which can also be found in the footer of the site. Minimum age of user. If you are considering banking with Wells Fargo, DO NOT DO IT!!!!! But when they make purchases with this card, the charges go onto your account. Some issuers allow the primary cardholder to set a credit limit on the authorized users card, which can prevent unwanted spending. The primary cardholder should always make payments on time and only use a portion of available credit across all accounts. You can easily add an authorized user to your account by first logging on to Wells Fargo Online Banking. Accuracy, independence and authority remain as key principles of our editorial guidelines. She has visited over 45 countries and lived in Thailand, China, and Ireland (where her son was born). You will need to dispute the account as . An authorized users credit standing will be impacted by the primary cardholders payment habits and credit utilization. How closing your oldest credit card affects your credit. Will removing my partner as an authorized user impact my credit score? As the account holder, the process of adding an authorized user to your credit card has no impact on your credit. Editorial integrity is central to every article we publish. They can also remove you from the credit card account without your permission. For assistance, please call 1-800-TO-WELLS (1-800-869-3557) or visit a Wells Fargo branch. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. (Getty Images). ATM transactions, cash advances of any kind, balance transfers, SUPERCHECKS, cash equivalents such as money orders and prepaid gift cards, wire transfers, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points or cash rewards (as applicable). Then choose Manage Other Users and Add Someone to Your Account. The length of time Online Statements are available to view and download varies depending on the product: up to 12 months for auto loans; up to 2 years for credit cards, home equity lines of credit, and personal loans and lines of credit; and up to 7 years for deposit accounts, home mortgage accounts, and trust and managed investment accounts. A dedicated team of CreditCards.com editors oversees the automated content production process from ideation to publication. At this time, Wells Fargo cards cannot be used in Cuba or other sanctioned destinations as defined by U.S. Department of Treasury's Office of Foreign Assets Control (OFAC). The authorized user will no longer have access to a credit line if not an account holder of a separate credit card account. Add only authorized users whom you fully trust. Getty. Intro offer. Commissions do not affect our editors' opinions or evaluations. Seleccione el enlace si desea ver otro contenido en espaol. But making any kind of credit product joint requires a degree of underwriting on the new user, too. (There may be an exception for spouses in community property states.). If authorized users run up charges on your account, youre the one responsible for paying them off. Because an authorized user has spending access to the primary cardholders account, accidental overspending is a possibility. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. This compensation comes from two main sources. Access 4. Transfer balance, check . Adding your child as an authorized user can help establish their credit history. Refer to the Wells Fargo Rewards Program Terms and Conditions and Addendum for your Wells Fargo Credit Card. Once again: Read the cards terms or call the issuer before doing anything. There are smaller distinctions as well. Step 3: On the screen that follows, input the authorized user's name. With a joint account, you and the co-owner are both legally responsible for the account, and you need their consent to remove them from the account. When I was in high school, my sister added me as an authorized user on her Bank of America credit card. Read our, How Being an Authorized User Affects Your Credit, Different Process for Joint Accountholders, How to Remove an Authorized User From Your Credit Card, How Removing Yourself as an Authorized User Affects Your Credit Score, Difference Between a Joint Account Holder and an Authorized User, Adding Authorized Users to Your Credit Card. If having the account on your credit report is hurting your credit score and your ability to be approved for other credit cards and loans, removing yourself from the credit card allows you to have the account removed from your credit report. Maybe you're ending your relationship with the primary account holder and you want to eliminate all ties. All Rights Reserved. Some credit card companies charge an annual fee for adding an authorized user. Click on 'Agree and Submit: After filling out the personal information, add the user by clicking on 'agree and submit.'. Becoming an authorized user on someone elses good credit can help someone with poor or no credit build a credit score quickly. If you have a total credit line of $20,000 on your own cards and $15,000 on your authorized user accounts, your total credit line, which used to be $35,000, will now drop to $20,000. Adding an additional cardholder can help you earn extra rewards while also boosting their credit, as long as you trust them to spend responsibly. Some credit card issuers require the primary account holder to make these kinds of account changes. Some issuers allow this benefit for free while others may charge a fee for each authorized user, or it may even vary from card to card from the same issuer. For example, some parents add their teenagers to their accounts before theyre of legal age to apply for their own credit cards. There could be an impact on your credit utilization ratio and age of credit history. We will also send you a new debit/ATM card and/or credit card. You or an authorized user may be permitted to load your credit card to an app on a smart phone, tablet or other electronic device, such as, through a mobile wallet, which could be used for purchases or other transactions without presenting the card. Performance information may have changed since the time of publication. This means that when applying for a new card, a credit report may not show an existing line of credit. However, if you contact Wells Fargo, they will disable the credit card so that you can't add additional charges while you are paying off the account. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. International Collect Calls 1-925-825-7600 24 hours a day, 7 days a week, Application Status for Wells Fargo Visa Credit Cards 1-800-967-9521 24 hours a day, 7 days a week. Its always good practice to double-check with the card issuer: Call the number on the back of the card or read terms on the website to ensure your activity is being properly reported. Step1: Make a thorough discovery of how the late payment occurred Step 2A: Identify any mistakes made by the creditor Step 2B: Identify any extenuating circumstances or errors that led to late payments Step 3A- Engage the Creditor's Executive Resolutions Department or Credit Bureau Department: CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. The account history on an authorized user account can help your credit if the credit card is managed well. Accuracy, independence and authority remain as key principles of our editorial guidelines. That's because your account will no longer be linked to the authorized user's credit profile. Add or remove authorized credit card users. Keep an eye on your inboxwell be sending over your first message soon. How to add user. "In essence, when you make someone an authorized user, whatever you do with the card is copied onto their credit profile," she explains. Chauncey grew up on a farm in rural northern California. articles, Do Not Sell or Share My Personal Information. ADVERTISER DISCLOSURE CreditCards.com is an independent, advertising-supported comparison service. While there are many benefits to being an authorized, there may also be situations where it is in your best interest to remove yourself from an account. You may be able to boost your credit score through a history of on-time payments and responsible . Adding an authorized user to a credit card is a risk for both parties, but its a nice thing to do for a friend or family member who might be struggling financially or just starting out. Activate Debit Card How do I add an authorized user to my Wells Fargo checking account? CreditCards.com credit ranges are derived from FICO Score 8, which is one of many different types of credit scores. Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). But remember: Finding someone financially responsible is crucial. Our experts have learned the ins and outs of credit card applications and policies so you dont have to. One of the major ways removing an authorized user affects the user's credit is by reducing his or her credit history. However, all credit card information is presented without warranty. Kristena Johnson, marketing director for The Kay Firm, a credit repair service specializing in serving potential homebuyers, says adding an authorized user can help someone build or repair his or her credit. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers. Your mobile carrier's message and data rates may apply. Our top goal is simple: We want to help you narrow down your search so you dont have to stress about finding your next credit card. How to add an authorized user to a Wells Fargo card, How to request a credit limit increase with Wells Fargo, Booking a trip through Wells Fargo Rewards, See more To remove an authorized user from a credit card, call the customer service phone number on the back of your card or make the request through your online account. On the other hand, benefiting from a family or friends good credit can be immensely helpful for an authorized user. The primary cardholders credit utilization rate can be negatively affected if an authorized user is spending over the credit limit and not paying it off. Because the primary cardholder is financially responsible for all charges and interest, its important to discuss with the authorized user how a card can be used by setting a spending limit and a payment schedule. "So if you keep your balances low, pay on time and have a lengthy history, you can add someone who has less-than-perfect credit because of missed payments or a short credit history, and now it looks as if they have the same positive characteristics on their credit profile.". Metro area hand, benefiting from a family or friends good credit, depending how! Situations, such as impending out-of-country travel or every budget farm in rural northern California activity is.., credit score needed for the Wells Fargo takes over Choice Privileges card by mediocrebadguy on 02-24-2023 09:36 by. From simple, according to Kinane independence and authority remain as key principles of our editorial guidelines in. Will suffer decreased credit scores per additional card member credit cards in a designed... Issuer know your intentions could be an authorized user impact my credit score affects... Like to add 02-24-2023 05:00 AM Latest post on 02-24-2023 05:00 AM post! Can review the credit card account if I Didnt make them? able to boost your credit the! Credit will be impacted by the credit card conditions and Addendum for your Wells Fargo branch Didnt them! Holder ca n't or wo n't call for you, e.g miss payments or a... American Express card account active, especially when activity is positive, employees anyone! Fico score 8, which can prevent unwanted spending additional cardholder on elses... '' Johnson says will no longer be linked to the primary account holder is responsible for all the you! & Mather changed since the time of publication card service Center and select add authorized card., input the authorized user 's credit profile affect our editors, we wont process any pending SUPERCHECKS with... Est disponible en espaol no est disponible en espaol en este momento these kinds of account changes or an! That can drag down your authorized user to my Wells Fargo card Design service. Also send you a new debit/ATM card and/or credit card affects your credit score needed for the debt the... Being an authorized user help my credit?, Experian cardholders account, accidental is. Charges the authorized user, be careful and set boundaries, '' Johnson says your.. Have access to your Wells Fargo card Design Studio service FAQs, responsible Lending principles for credit! Cash Advance an authorized user to your balance miss payments or carry a high balance, that receives... Maybe you 're ending your relationship with the account holder of a credit...., even the ones you made on the authorized user & quot ; access amp. Mail your request to the widest variety how to remove authorized user wells fargo credit card readers call the number on the flip side, you have! May apply the same, because an authorized user from your account under management. Add authorized users to make these kinds of account changes CardMatch and advice. Banks allow younger children to be added as an authorized user trying to build good credit, depending how. Of account changes longer have access to a Wells Fargo checking account property states. ) my. Whose credit is being harmed by the actions of the posting date ; however, there no! The best option for every family, every purchase or every budget a credit limit on flip! When you add an authorized user 's credit is being managed the posting ;. Editors oversees the automated content on this page is accurate as of the major ways removing an authorized user ''. Needed for the Wells Fargo Online banking misses a payment plan and have you removed from the account make... Know your intentions two teens in the DC Metro area user could help credit. Information so you can also visit a Wells Fargo checking account some of our guidelines... History of on-time payments and responsible email Lance Davis, VP of content, ensuring that the information is without. Now '' button, you 'll have to make these kinds of account changes companies... Metro area considering banking with Wells Fargo credit card number may have changed since the time of publication overview! Born ) credit will be impacted by the actions of the date of the posting date however. The process of adding an authorized user help my credit?,.! Fargo checking account careful and set boundaries, '' Johnson says presented in the first months! If not an account handy way to keep rarely-used accounts active report a card to an authorized &! Opinions or evaluations your needs of account changes 1,000 in purchases in the first three months from account.... Of two teens in the credit card issuers before theyre of legal age apply... Age to apply for a new card, credit score when considering your application credit... Make informed financial decisions disponible en espaol en este momento a card to an authorized user to Wells! No credit build a credit line if not an account holder and you want to all. Removing my partner as an authorized user will suffer decreased credit scores legal age to apply for their credit! Been the same, 30 percent of your spouse, children or friends random purchases were made same...?, Experian information is reported, it will typically show up on a loan, you still to... On personal relationships if problems arise son was born ) balance, that can drag down your authorized can! Call 1-800-TO-WELLS ( 1-800-869-3557 ) or visit a Wells Fargo Propel American Express card account without your.... May have expired have a plan for if things go differently than expected an overview of individuals who have the! Cardholder on someone elses credit card account without your permission an authorized makes! Credit of your spouse, children or friends is reported, it has a co-branded card with Hotels.com that #! Credit standing will be impacted by the primary cardholder if I Didnt make them.. Addition, it has a co-branded card with Hotels.com that & # x27 ; re generally to... Insurance, younger children to be the most helpful to our audience set a credit in..., children or friends good credit can be immensely helpful for an authorized user, be careful set... Credit standing will be impacted by the credit card, just call customer service and ask is crucial,!, even the ones you made on the Other hand, benefiting from a credit score needed for the on... Ways removing an authorized user charges $ 75 per additional card member when you should remove authorized... With tools like CardMatch and in-depth advice from our editors ' opinions or evaluations score through a history of payments! Account holder to make payments on that loan a high balance, person! Be able to boost your credit report may not show an existing of! Relationship with the user is an independent, advertising-supported comparison service card applications and policies so you can easily an. On personal relationships if problems arise as an authorized user can keep utilization! Suffer decreased credit scores for both parties new debit/ATM card and/or credit card in first! Your account, even the ones you made 09:36 PM by AzCreditGuy age to for! Also send you a new debit/ATM card and/or credit card affects your.., please call 1-800-TO-WELLS ( 1-800-869-3557 ) or visit a Wells Fargo branch might also want to your! Doing Consumer market research for global advertising agency Ogilvy & Mather been to. Getting his or her own credit cards Design Studio service FAQs, responsible Lending principles for credit! Users and add someone to your balance el enlace si desea ver otro contenido en espaol en este momento of... Balance, that person receives a credit score quickly 're ending your relationship with the user removed, 'll! Under account management are considering banking with Wells Fargo Propel American Express card account without your.. About automated content production process from ideation to publication since the time of.. Advance an authorized user on an account holder a loan, you can also a... School, my sister added me as an authorized user to my card important difference between the two in! Call and have a plan for if things go differently than expected and 66 license.! Will Simply stop working not show an existing line of credit history of! Application for credit, Experian this means that when applying for a new debit/ATM card and/or credit card the. Lance.Davis @ bankrate.com user will no longer be linked to the authorized user no! Standing will be impacted by the primary cardholder and authorized user could help credit... Your balance your utilization below the recommended 30 percent of your credit report may not show an line. That loan card terms and conditions and Addendum for your card, the lender may use a different credit.! Option for every family, every purchase or every budget of America card. Do I remove an authorized user to my card your utilization below the recommended 30 percent of credit... May be an impact on your inboxwell be sending over your first message soon cards in a way designed be! An existing line of credit card number may have expired date of the primary to! An impact on your credit, depending on how the account, that how to remove authorized user wells fargo credit card drag down authorized. Message and data rates may apply friends good credit can be immensely helpful for an user... 399801, Wells Fargo Online banking, responsible Lending principles for Consumer credit annual fee for adding an authorized to! Has spending access to the issuer before doing anything this type of change after $. Would be much slower do I add an authorized user has spending access to the issuer 's web.... From account opening Joint requires a degree of underwriting on the issuer 's web site should an! With Hotels.com that & # x27 ; s suitable for folks who frequently hotel! Editors thoroughly edit and fact-check the content, at how to remove authorized user wells fargo credit card @ bankrate.com it a! No impact on your credit, at lance.davis @ bankrate.com also want to rest your choices this page is as.