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 distribute important card-related mail (e.g. your monthly credit card statement) to the right place. An updated billing address can also protect you from identity theft and credit card fraud.
Even if you haven’t moved recently, make sure your billing address is correct. Incorrect billing addresses can result in delays in receiving bank statements and even transaction denials when attempting to make a purchase. If you’re lost, our complete guide to checking and changing your billing address will give you the directions you need and get you to the right place.
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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 in card transactions. Although they can be the same, a billing address is different from a shipping address and has a different purpose. There are several key differences between these two addresses that you can enter when making online purchases:
- A billing address is used as the place where credit card statements, billing information, and maps associated with your account are sent.
- A shipping address is where online orders, mail, and packages are sent.
- Credit card issuers use billing addresses to verify a cardholder’s identity and to send important information.
- A merchant can protect against identity theft by using billing addresses when using an address verification system such as B. entering your zip code at the pump.
Why a credit card issuer needs your billing address
An issuer needs your billing address to send you important documents and cards associated with your account, to protect you from identity theft or credit card fraud, and to verify your identity when exchanging information with credit reporting agencies. The address report to the credit bureaus has no influence on your creditworthiness.
How to change your billing address
If you need to change your billing address, you have several options:
- Website or app: Change your billing address on your card issuer’s website or mobile app.
- Customer service: Request a billing address change by calling the number on the back of your credit card and speaking to a customer service representative.
- By email: Enter the new address in the address change field on the back of the payment slip that accompanies your monthly statement. Check the box on the front that indicates you are changing the address.
- Personally: If you are near your credit card issuer, you can speak to one of their company representatives who can help you update your mailing address.
If your card issuer is also your bank and your accounts include a debit card, checking account, and credit card, changing your credit card address may not automatically change your other two billing addresses. It is important to review each card or account associated with an institution to ensure all addresses have 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 an address 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. In addition to these options, you can also change your billing address at a Bank of America financial center.
How to change your billing address on Capital One
For Capital One, log into your online account and click on your icon in the right corner, then click on “Profile” and edit your contact information. You can also change your billing address at a Capital One branch or by calling the customer service number.
How to change your billing address at Chase
When you visit your Chase online account, select “Profile & Settings” to request a billing address change. 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 online Citi account. You can also change your address by contacting Citi Customer Service via online chat or by phone.
How to change your billing address with Discover
For Discover, you can log into your online account. You can also change your address by contacting Discover Customer Service.
How to change your US bank billing address
To submit a change of address request to US Bank, you can log into your online account. Once the menu bar opens, select “Customer Service” and then “My Profile”. On a mobile device, press “Menu” and then “Edit Settings” followed by “Update My Profile”. On the mobile app, press Menu and then the gear icon.
Another way to change your address is to call US Bank Customer Service.
How to change your billing address at Wells Fargo
For Wells Fargo, log into your online account to submit a change of address request. In your account, select “Update Contact Information”. You can also change your address by contacting the company’s customer service.
How to verify the billing address for a credit card
Finding the address printed on your billing statements is usually the easiest way to verify your billing address. If you haven’t received the statements, check on 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 it’s from typos or errors, billing address errors happen. You can find this out if your card is declined or you don’t get the statement you expected.
- Sign up or pick up the phone and verify your billing address directly with your respective credit card company. You may need to change it, but most issuers make this a fairly straightforward process via phone, web, or mobile app.
- Make sure your billing address and name are spelled correctly with your credit card and bank account.
- If your address has a second line (such as an apartment or unit number), make sure it’s in the correct place (second line of the address field).
Find the best credit cards for 2022
No single credit card is the best option for every family, every purchase, or every budget. We’ve selected the best credit cards to be most helpful to a wide variety of readers.
bottom line
If you’ve recently moved and haven’t received important documents from your bank, or your new card is declined when you try to use it, make sure your billing address has been updated correctly. An updated credit card billing address ensures you receive documents that your credit card issuer sends to you, helps prevent identity theft, and ensures you can use your card wherever address verification is required.