How To Check And Change Your Credit Card Billing Address

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Key takeaways

Your billing address tells credit card issuers where to send important items and provide extra security when making purchases.
Checking and changing your billing address is easy and, in most cases, can be done from your credit card online account or app.
It’s important to update your billing address every time you move.

Any time you move to a new address, make sure you change your billing address with your credit card issuer. An accurate credit card billing address helps ensure important card-related mail, such as your monthly credit card statement, is sent to the right place and can also help protect you from potential identity theft.

Let’s take a close look at how to change your billing address with several major credit card issuers.

What is your billing address used for?

Your billing address is the address to which your monthly credit card billing statement is sent — but there’s more to a billing address than that. Your billing address and your billing zip code both play key roles in helping to prevent identity theft.

Merchants often require you to include your billing zip code during checkout, especially if you are making an in-person purchase at a brick-and-mortar retailer. This adds an extra layer of protection to your transaction.

The Address Verification System (AVS) also protects your billing address. If you’re making a purchase that requires you to enter a complete 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 declined.

How to check the billing address for a credit card

You can look at the address printed on your billing statement.
You can log in to your online banking account and review the billing address associated with your credit card.
You can check your billing address in your credit card’s mobile app.
You can always contact customer service.

How to change your billing address

There are four easy ways to change your credit card billing address:

Use your credit card issuer’s website or app. Log in to your online account and change the billing address associated with your profile.
Call customer support. Call the number on the back of your credit card and request a billing address change.
Update your address via mail. Write your new address on the back of the payment coupon that comes with your monthly billing statement and mail it back to your credit card issuer.
Update your address in person. Some people prefer to visit a branch in person if there’s a location nearby. If you decide to take this route, speak with a representative and ask them to update your billing address.

If you have several accounts with the same issuer, such as a checking account, multiple rewards credit cards and a debit card, making a credit card address change may not automatically change the billing address on your debit card and checking account. Double-check every card and account associated with your bank or credit card issuer to ensure that all the addresses are updated.

Keep in mind:

It may take 24 hours for your billing address to be fully updated with your credit card issuer. That said, as online systems become more robust, these updates can often be handled in less than a day — and, in some cases, as soon as the information is submitted.

How to change your billing address with American Express

To submit an American Express change address request, log in to your American Express online account or call customer service at 1-800-528-4800. You must complete this process with every card or account if you have multiple Amex cards and bank accounts. If you’re an additional cardholder and need to update your home address, contact an American Express Customer Care Professional. Only primary cardholders can make updates to all other addresses.

How to change your billing address with Bank of America

To change your billing address with Bank of America, log in to 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 in to your Capital One online account, select your name or icon and then select “Profile” to access and edit your billing address. You can also call Capital One at 1-877-383-4802 for customer service support. If you have a Capital One branch account, contact the Capital One Bank customer service department 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 change billing address request, visit your Chase online account and select “Profile and Settings” under the profile icon. You can also contact Chase customer service at 1-800-935-9935.

How to change your billing address with Citi

To change your billing address with Citi, log in to your Citi online account or reach Citi customer service at 1-800-950-5114. If you need additional help, you can chat online with a Citi representative.

How to change your billing address with Discover

To change your billing address with Discover, log in to the Discover Account Center and select “Profile.” You can also contact Discover customer service at 1-800-DISCOVER (1-800-347-2683).

How to change your billing address with U.S. Bank

To submit a U.S. Bank change address request, log in to your U.S. Bank online banking account, open the menu bar and select “Customer Service” followed by “My Profile.” If you are accessing your U.S. Bank online account from a mobile device, select “Menu” and then select “Edit Preferences” followed by “Update My Profile.” If you are using the U.S. Bank mobile app, select “Menu” and then select the gear icon. You can also call U.S. 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 change address request, sign on to 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-TO-WELLS (1-800-869-3557).

The bottom line

If you recently changed your address, you should also change your credit card billing address. Updating your credit card billing address will ensure that important documents are sent to the correct mailing address and can also help prevent identity theft. Likewise, paying attention to the billing address you enter when making purchases can help you avoid billing address errors that could prevent your purchase from going through.

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