Billing Address on a Credit Card – Steps to Find or Change your Address
Billing Address on a Credit Card: Did you just move? You’ll need to update the billing address for your credit card account. It is easy. You can change your credit card billing address easily online, and through some other methods.
Or maybe you need to find your issuer’s address to send a payment by mail. Read on to follow our guide on how to get it done and also the payment addresses of popular card issuers.
Why you’ll Need to Know your Billing Address
If you just moved, or maybe you need to pay a credit card bill, you’ll need to update the billing address for your credit card account, and you can usually do that in your account profile or “My Account” area.
Making payments online is usually the most secure and expeditious way to pay your bills. However, if you want to mail a payment, in most cases you can find a credit card company’s billing information on its website or your monthly statement.
Here is the detailed guide for updating your billing address with the major card issuers, along with their addresses for mailing payments.
What is the Billing Address?
The billing address is the address associated with your credit card—it is used to verify your credit card information. Your billing address is where you receive your statement for the credit card. Every bank will ask for an address when you open the account. The billing address must match the address that your credit card company has on file.
Anytime you buy something online, you have to enter a billing address and a shipping address. These can be the same addresses or two completely different addresses. Retailers allow different addresses because an online buy doesn’t have to ship to your home. The item might be a gift, in which case, you can ship it to the recipient.
So if the shipping address doesn’t match the address tied to your credit or debit card, you shouldn’t run into any problems. But what if the billing address doesn’t match your billing address on file? Maybe because you didn’t update your account or entered the wrong information? You could have a problem with the transaction—but this isn’t always the case.
What Happens If You Enter the Wrong Billing Address?
Entering the wrong billing address doesn’t mean that a retailer will cancel or deny your transaction. The outcome depends on how the retailer handles these types of discrepancies. Some retail systems don’t use an address verification system.
Let’s say you enter your credit card or debit card number and provide the wrong billing address. There’s a good chance that your transaction will process without hassle.
Four Ways to Change Your Billing Address
While moving can be hectic, changing your credit card billing address is a step you can’t afford to forget. Here are four ways you can easily update your billing address with your credit card issuer.
Write the new address on the back of your payment coupon.
If you typically mail your monthly credit card payments, the back of the payment coupon will include a space for address changes. The front of the coupon will also include a box where you can indicate that you have an address or phone number changes.
Fill out the back of the payment coupon with your new address and make sure you check the change of address box on the front so the person processing your payment knows to check the back of the payment coupon for your updated information.
Call customer service.
Calling your credit card issuer’s customer service number – the one on the back of your credit card – will ensure your address is changed quickly. You don’t have to wait for the payment to arrive in the mail.
The downside is that you have to call each of your credit card issuers if you only have one or two credit cards, this won’t take a long time. You can make a payment and update your billing address all on the same call to make it easier.
Make the address change online.
If you’ve created an online account for your credit card, for example, to check your balance and make your payment, you should be able to change your address there. Log in and look for a link to update your personal or account information. Just like calling in your change of address, you’ll have to take this step with each of your credit card issuers.
File a change of address with USPS.
You can request an address change with the United States Postal Service, either online, by phone, or using a form from the post office. This step will forward all your mail, not just your credit card statements. If you file the change of address online or by phone (1-800-ASK-USPS), you’ll have to use a credit (or debit) card with the billing address from either your old or new address.
You’ll be charged $1 to allow the postal service to verify your identity. Mail is forwarded for up to one year (six months initially with the option to extend for an additional six months). You have to do this for every person who lives in the house. It may take a little longer to receive mail that’s processed via change of address.
Often, the postal service updates billers of your new address, so after a couple of months, you may notice your credit card issuers are sending mail to your new address rather than the old one.
How to successfully verify a billing address
If you receive an “Address did not match” error when adding a Visa or MasterCard debit card, it means the information you entered may not be verifying correctly with your credit card’s issuing bank.
To fix this error:
Confirm that there are no missing characters or misspellings in the name and address you entered and that the card number you are entering is correct.
Make sure that the billing address you are entering is the same billing address that is on file with your card provider. If you have recently moved, for example, this information may be out of date.
Enter only the street address on line 1. If your address contains an apartment number, do not add the apartment number in line 1.
Contact your credit card’s service number and verify the exact spelling of your name and address on file.
If your address is on a numbered street, spell out the name of your street. For example, enter “123 10th St.” as “123 Tenth St.”
If at this point you still receive an “address did not match” error please contact Coinbase support.