Changing the payment address on your credit card is a simple process, but if you do something wrong, you can damage your credit score and be denied the fees. You can change your address online, by phone or by mail. Taking the appropriate steps will help ensure that you change your correct address, pay your bills on time, and avoid being denied fees.
Set up an online account
Most credit cards allow you to create an online account to allow you to access your credit card information.
To create an account, all you have to do is visit the website of your credit card issuer and follow the steps as stated. You can update your address 24/7 by logging into your account and following the instructions.
Change your online payment address
Once you’re signed in to your account, find a link to your account settings, be it a word or phrase like “Settings,” “Account details,” “Profile,” or “Billing.” Your name, mailing address, phone number, and email address will appear on this page. In some cases, you can start entering your new address through the current information you see. In other cases, you may need to click on the “Edit” button or pencil icon.
After you’ve updated your address, find the “save” or “send” button and click it. When you’re done, you’ll receive a notification indicating that you’ve successfully updated your information. To double-check, sign out of your account, and then log back in. Navigate to your profile page to see if your new address appears.
Call your card issuer
Instead of updating your information online, you can call the customer service number on the back of the card and ask a customer service representative to respond to change your mailing address.
Once you achieve CSR, he may ask you to verify your name, full mailing address, and/or your account number or Social Security number. Once you’ve been verified, ask CSR to update your mailing address. The change will take place immediately and will not take a few days.
Make a written request
Credit card companies allow you to change your address by mail if you can’t or don’t want to change your mailing address online or over the phone. Find the address on your monthly statement. It may not be the address outside the envelope that your statement sent to. Read the beautiful printout on the statement for instructions for making changes to your account by mail. These instructions will provide the correct address.
You can also Google the name of the company that issued your credit card to find the address or navigate to the company’s website to find the address.
Understand why this is important.
When you make a purchase online, you are often asked to provide a street address associated with the account. If you don’t provide accurate information, you can’t make a charge, even if you’ve provided or entered the correct name, card number, and security number on the back of your card. Also, if you receive a statement by mail and then resend your payment each month, you can damage your credit by sending late payments by mail due to incorrect address issues.
If you’ve set up automatic payments with any business (such as utilities, auto loans, cable service providers, phones, or the internet), make sure you visit their website and update your address in the appropriate area. If they try to bill your card and the address or zip code you set up for automatic payment is incorrect, then the fee may not be made, resulting in a penalty fee or loss of service.
Having the correct payment address linked to your card is also another layer of security to avoid identity theft, Bankrate.com explains.