How to check and change your billing address – Forbes Advisor

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Moving? Be sure to update your credit card issuer by changing your billing address. This allows your issuer to deliver important card-related mail (like your monthly credit card statement) to the right place. An updated billing address can also protect you against identity theft and credit card fraud.

Even if you haven’t moved recently, make sure your billing address is correct. Incorrect billing addresses can cause delays in receiving statements and even a declined transaction when trying to make a purchase. If you get lost, our comprehensive guide to checking and changing your billing address will give you the directions you need and get you to the right place.

Find the best credit cards for 2022

No credit card is the best option for every family, every purchase or every budget. We have selected the best credit cards so as to be the most useful for the greatest number of readers.

What is a billing address?

A billing address is the address that a credit card issuer associates with your credit card account. This address can be used not only for billing and reporting purposes, but also for identity verification during card transactions. Although they may be the same, a billing address is distinct from a shipping address and serves a different purpose. Several major differences distinguish these two addresses that you can enter when making an online purchase:

  • A billing address is used as the location where credit card statements, billing information, and cards linked to your account are sent.
  • A delivery address is where online orders, mail and packages are sent.
  • Credit card issuers use billing addresses to verify a cardholder’s identity and send important information.
  • A merchant can protect against identity theft by using billing addresses when using an address verification system, such as entering your zip code at the gas pump.

Why a credit card issuer needs your billing address

An issuer needs your billing address to send you important documents and cards related to your account, to protect against identity theft or credit card fraud, and to verify your identity when redeeming information with the credit bureaus. Address reporting to credit bureaus does not affect your credit score.

How to change your billing address

You have several options if you need to change your billing address:

  1. Website or app: Change your billing address on your credit card issuer’s website or mobile app.
  2. Customer service: Request that your billing address be changed by calling the number on the back of your credit card and speaking with a customer service person.
  3. By email: In the space reserved for changes of address on the back of the payment slip attached to your monthly statement, enter the new address. On the front, be sure to check the box indicating that you are changing your address.
  4. In person: If you are located near the branch of your credit card issuer, you can speak to one of the company’s representatives who can help you update your mailing address.

If your card issuer is also your bank and your accounts involve a debit card, checking account, and credit card, changing your credit card address may not automatically change both. other billing addresses. It is important to double-check each card or account associated with an institution to ensure that each address has been updated.

How to change your billing address with American Express

Amex cardholders can update billing addresses through the online account portal. Authorized users may need to call the issuer to change addresses, as only primary cardholders can update addresses online.

How to change your billing address with Bank of America

For Bank of America, log into your online account or call the customer service number. Along with these options, you can also change your billing address at a Bank of America financial center.

How to change your billing address with Capital One

For Capital One, log in to your online account and click on your icon in the right corner, then click on “profile” and edit your details. You can also change your billing address at a Capital One branch or call the customer service number.

How to change your billing address with Chase

When you visit your online account with Chase, select “Profile & Settings” to submit a billing address change request. You can also call the company’s customer service.

How to change your billing address with Citi

You can change your billing address by logging into your Citi account online. You can also change your address by contacting Citi Customer Service via online chat or phone.

How to change your billing address with Discover

For Discover, you can log in to your online account. You can also change your address by contacting Discover customer service.

How to change your billing address with US Bank

To submit a change of address request with US Bank, you can log in to your online account. After opening the menu bar, select “Customer Service”, then continue by selecting “My Profile”. On a mobile device, tap ‘Menu’, then tap ‘Change preferences’ followed by ‘Update my profile’. On the mobile app, tap “Menu”, then tap the gear icon.

Another way to change your address is to call US Bank customer service.

How to change your billing address with Wells Fargo

For Wells Fargo, to submit an address change request, log into your online account. In your account, select “Update contact information”. You can also change your address by contacting the company’s customer service.

How to check a credit card billing address

Finding the address printed on your billing statements is usually the easiest way to verify your billing address. If you haven’t received statements, check through your issuer’s website, mobile app, or by calling the number printed on the back of your card.

How to Fix Billing Address Errors

Whether by typo or by mistake, billing address errors do happen. You can find out when your card is declined or you don’t receive the statement you expect.

  • Log in or pick up the phone and verify your billing address directly with your respective credit card issuer. You may need to edit it, but most issuers make it a fairly simple process via phone, web, or mobile app.
  • Make sure the spelling of your billing address and name matches your credit card and bank account.
  • If there is a second line in your address (i.e. an apartment or unit number), make sure it is in the correct place (the second line of the address field) .

Find the best credit cards for 2022

No credit card is the best option for every family, every purchase or every budget. We have selected the best credit cards so as to be the most useful for the greatest number of readers.

Conclusion

If you recently moved and haven’t received important documents from your bank, or your new card is declined when you try to use it, check that your billing address is updated correctly. An updated credit card billing address will allow you to receive documents your credit card issuer sends you, help prevent identity theft, and ensure that you can use your card anywhere a address verification is required.

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