How to check and change your billing address
Whenever you change your address, be sure to change your billing address with your credit card issuer. Why? Two reasons. An accurate credit card billing address helps ensure that important card-related mail, such as your monthly credit card statement, is sent to the right place. Updating your billing address also helps protect against potential identity theft.
So what is your billing address for? And how do you change your credit card billing address? Let’s take a close look at how billing addresses work, including how to find a credit card billing address and how to change your billing address with several major credit card issuers.
What is a billing address?
What does “billing address” mean? A billing address is the address associated with your credit or debit card account. When you apply for a credit card online, for example, the address you include on your request will become your billing address.
A billing address looks like a mailing address. It consists of a street number and name followed by a city, state and zip code. If you live in a specific apartment or unit, this information will also be included in your billing address.
What is your billing address used for?
Your billing address is the address to which your monthly billing statement is sent, but a billing address does not only mean that. Your billing address and billing zip code both play a key role in preventing identity theft.
Merchants often ask you to include your billing zip code during the ordering process, especially if you are making a purchase in person from a physical retailer. This adds an extra layer of protection to your transaction. There is no billing zip code printed on your credit card, which means if your card is stolen, the thief will have a hard time using your credit card to make purchases.
The other way your billing address protects you is by using the Address Verification System, also known as AVS. If you make a purchase that requires you to enter a full billing address (not just a billing zip code), AVS will compare the billing address you entered with the billing address associated with your credit card. If the addresses do not match, the transaction will often be refused.
How to change your billing address
There are three easy ways to change your credit card billing address:
- Log in to your online account and change the billing address associated with your profile.
- Call the number on the back of your credit card and request a change of billing address.
- Write your new address on the back of the payment coupon provided with your monthly billing statement and mail it back to your credit card issuer.
Here’s what to do if you’re currently wondering “what’s my billing address?” Verify your credit card billing address by looking at the address printed on your billing statement or log into your online banking account and verify the billing address associated with your credit card.
If you have a bank account that includes a checking account, credit card, and debit card, changing your credit card address may not automatically change the billing address on your debit card. and your checking account. Check every card and account associated with your bank or credit card issuer to make sure all addresses are up to date.
Here’s how to change your credit card billing address with several major credit card issuers:
How to change your billing address with American Express
To submit an American Express change of address request, log into your American Express Online Account or call customer service at 1-800-528-4800. If you have multiple Amex cards and bank accounts, you will need to complete this process with each card or account. If you are an additional cardholder and need to update your home address, contact an American Express customer service professional. Only primary cardholders can update all other addresses.
How to change your billing address with Bank of America
To change your billing address with Bank of America, log into your Bank of America Online Account or call Bank of America customer service at 1-800-432-1000. You can also visit a Bank of America financial center to change your billing address in person.
How to change your billing address with Capital One
To change your billing address with Capital One, log into your Capital One Online Account, select your name / icon, then select “Profile” to access and modify your billing address. You can also call Capital One at 1-877-383-4802 for customer service. If you have a Capital One branch account, contact the Capital One Bank Customer Service by phone or chat to update your billing address, or visit a Capital One branch in person.
How to change your billing address with Chase
To submit a Chase billing address change request, go to your Chase Online Account and select “Profile and settings”. You can also contact Chase customer service at 1-800-935-9935.
How to change your billing address with Citi
How to change your billing address with Discover
To change your billing address with Discover, sign in to Discover the account center and select “Account profile”, then “Update your personal information”. You can also contact Discover customer service at 1-800-DISCOVER (1-800-347-2683).
How to change your billing address with US Bank
To submit a request for a change of US bank address, log into your US Bank Online Banking Account, open the menu bar and select “Customer service”, then “My profile”. If you are accessing your US Bank online account from a mobile device, select “Menu”, then “Change preferences”, then “Update my profile”. If you are using the US Bank mobile app, select “Menu” and then select the gear icon. You can also call US Bank customer service at 1-800-US-BANKS (1-800-872-2657).
How to Change Your Billing Address with Wells Fargo
To submit a Wells Fargo address change request, log into your Wells Fargo Online Account and select “Update contact information”. You can also contact Wells Fargo’s credit card account management customer service line at 1-800-642-4720.
At the end of the line
If you’ve recently changed your address, you should also change your credit card billing address. Updating your credit card billing address will help ensure that important documents are sent to the correct mailing address. Since your credit card billing address is also used to protect your account and prevent identity theft, it’s a good idea to know how to change your billing address.