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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 (such as your monthly credit card statement) to the correct location. An updated billing address can also protect you from identity theft and credit card fraud.
Even if you have not moved recently, make sure your billing address is accurate. Incorrect billing addresses can mean delays in receiving statements and even transaction denial when you try 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 deliver you to the right place.
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What Is a Billing Address?
A billing address is the address a credit card issuer associates with your account. This address may be used not only for billing and reporting purposes but also for identity verification during card transactions. While they can be the same, a billing address is distinct from a shipping address and has a different purpose. Several major differences set apart these two addresses you might enter when making an online purchases:
- A billing address is used as the location where credit card statements, billing information and cards that are linked to your account are sent.
- A shipping address is the location 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 they use an address verification system, like entering your ZIP code when at the gas pump.
Why a Credit Card Issuer Needs Your Billing Address
An issuer needs your billing address to mail you important documents and cards linked to your account, to protect you from identity theft or credit card fraud and to verify your identity when exchanging information with credit bureaus. Address reporting to the credit bureaus does not affect your credit score.
How To Change Your Billing Address
There are several options if you need to change your billing address:
- Website or App: Change your billing address on your credit card issuer’s website or its mobile app.
- Customer Support: Request your billing address be changed by calling the number located on the back of your credit card and speaking with someone from customer service.
- Via Mail: In the space for address changes on the backside of the payment coupon included with your monthly statement, write the new address. On the frontside, be sure to check the box that indicates you are changing addresses.
- In Person: If you are located near your credit card issuers branch, you can speak with one of the company representatives available to help you update your mailing address.
If your card issuer is also your bank and your accounts involve a debit card, checking account and a credit card, changing your credit card address may not automatically make the change for the other two billing addresses. It is important to double-check every card or account associated with an institution to ensure each of the addresses have been updated.
How To Change Your Billing Address With American Express
Amex cardholders may update billing addresses through the online account portal. Authorized users may need to call in to the issuer to change an address, as only primary cardholders may 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 those options you can also change your billing address at a Bank of America financial center.
Bank of America | 1-800-432-1000 |
How To Change Your Billing Address With 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 call the customer service number.
Capital One | 1-800-227-4825 |
How To Change Your Billing Address With Chase
When you visit your online account at Chase, select “Profile and Settings” to submit a change of billing address request. You can also call the customer service phone number listed on the back of your Chase card.
Chase | 1-800-935-9935 |
How To Change Your Billing Address With Citi
You can change your billing address by logging into your online Citi account and viewing your contact details. You may also change your address by contacting Citi customer service via online chat or phone. Note that you must be signed in to access Citi’s online chat service.
Citi | 1-800-950-5114 |
How To Change Your Billing Address With Discover
For Discover, you can log into your online account to access and edit your billing information. You also can change your address by contacting Discover customer service.
Discover | 1-800-347-2683 |
How To Change Your Billing Address With U.S. Bank
To submit a change of address request with U.S. Bank, you can log in to your online account through its website. After opening the menu bar, select “Customer Service” then follow that up by selecting “My Profile, and from there, click “Edit Personal Details.” On a mobile device press “Menu” and then press “Edit Preferences” followed by “Update My Profile.” On the mobile app press “Menu” and then press the gear icon.
Another way to change your address is by calling U.S. Bank customer service.
U.S. Bank | 1-800-872-2657 |
How To Change Your Billing Address With Wells Fargo
For Wells Fargo, to submit a change address request, sign in to your online account. When in your account select “Update Contact Information.” You can also change your address by contacting the company’s customer service line.
Wells Fargo | 1-800-869-3557 |
How To Check the Billing Address for a Credit Card
Finding the address printed on your billing statements is typically the easiest way to verify your billing address. If you haven’t received the statements, check via 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 glitch, billing address errors happen. You may discover this when your card is declined or you don’t receive a statement you’re expecting. Here’s how to fix it:
- Logon or pick up the phone and check your billing address with your respective credit card issuer directly. You may need to change it, but most issuers make this a fairly straightforward process via phone, web or mobile app.
- Make sure the spellings of your billing address and name match with your credit card and banking account.
- If there is a second line in your address (i.e. an apartment or unit number), ensure that it is in the correct spot (the second line of the address field).
Find the Best Credit Cards for 2024
No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.
Learn More
Bottom Line
If you recently moved and have not been receiving important documents from your bank or your new card is getting declined when you try to use it, check that your billing address is updated correctly. An updated credit card billing address will ensure you receive documents your credit card issuer is sending to you, help prevent identity theft and ensure you can use your card anywhere an address verification is required.
