The fastest way to change your address

Call your credit card company's customer service number on the back of your card. Have your account number and new address ready. Most companies update your address in the system when ready, and you will receive a replacement card with the new address printed on it within 7 to 10 business days.

If you prefer not to call, you can log into your online account and update your address yourself in the account settings or profile section. This takes about two minutes and is usually effective right away. Some companies also let you update your address through their mobile app.

Do not wait for a new card to arrive before the address change takes effect. Your account address updates when ready whether you call or use the website, even though the physical card with the new address takes longer to print and mail.

Key Takeaways

  • Call the number on the back of your card or log into your online account to change your address; both methods update your account when ready.
  • A replacement card printed with your new address will arrive in 7 to 10 business days, but your account address changes right away.
  • Update your address before moving so that billing statements and new cards go to the correct location.
  • If you have multiple cards from the same company, you may need to update the address on each account separately.

Changing your address online

Log into your credit card company's website using your username and password. Look for a section labeled "Account Settings," "Profile," "Personal Information," or "Manage Account." Click on the address field and type in your new street address, city, state, and ZIP code.

Double-check that you have entered the address correctly before saving. Some companies ask you to confirm the change by clicking a link in an email sent to your registered email address. Once confirmed, your new address is active in the system.

If you cannot find the address section online, check the company's help or FAQ page. Some smaller credit card issuers do not offer online address changes and require a phone call instead.

Changing your address by phone

Call the customer service number printed on the back of your credit card. A representative will ask for your account number and the last four digits of your Social Security number to verify your identity. Tell them your new address and ask them to confirm it back to you before they save the change.

Ask the representative how long it will take for a replacement card to arrive and whether your old card will still work in the meantime. Most companies send a new card automatically once the address is updated, but some require you to request one.

Keep a record of the date and time you called and the name of the representative you spoke with, in case you need to follow up on a replacement card that does not arrive on time.

What happens to your old card

Your old card remains active after you change your address. You can continue to use it for purchases and payments. The card will not stop working just because the address on it no longer matches your account.

Once your replacement card arrives with the new address printed on it, you can destroy the old card by cutting it in half or shredding it. Some people keep the old card until the new one arrives, just to be safe.

If you change your address and then move again before the replacement card arrives, you can update your address a second time. The company will send a new card to your most recent address.

Updating your address for billing statements

When you change your address with your credit card company, your billing statements will be mailed to the new address starting with the next billing cycle. If you have set up paperless billing, your statements will continue to be sent to your email address and the mailing address change does not affect them.

If you are moving and want to make sure you do not miss a statement, update your address at least a week before you move. This gives the company time to process the change before your next statement is generated.

If a statement arrives at your old address after you have moved, contact your mail carrier or the post office to have it forwarded to your new address. You can also log into your account online to view your current statement instead of waiting for the paper copy.

Changing the address on multiple cards from the same company

If you have more than one credit card from the same issuer, you may be able to update all of them at once through your online account. Log in and look for an option to manage multiple cards or accounts. Some companies link all your cards to one profile, so changing the address once updates all of them.

If your cards are on separate accounts, you will need to update each one individually. Call customer service and ask whether your cards are linked. If they are, you only need to change the address once.

After you update the address, you will receive replacement cards for each account. They may arrive on different dates, so do not be alarmed if one arrives before the others.

What to do if your replacement card does not arrive

If your replacement card does not arrive within 10 business days, call customer service and ask them to check the status. They can tell you whether the card has been mailed and provide a tracking number if available.

If the card was mailed but lost in transit, the company can cancel it and send a new one. Ask how long the second card will take to arrive. In the meantime, your old card still works, so you can continue using it for purchases.

If you need a card urgently, some companies offer rush delivery for a fee or can issue a temporary card number that works online and over the phone while you wait for the physical card.

Frequently Asked Questions

Do I need to update my address with my bank if I only have a credit card?

No. Your credit card and your bank account are separate. Update your address with your credit card company for the card, and update it with your bank separately for your checking or savings account. Each company maintains its own records.

Will changing my address hurt my credit score?

No. Changing your address has no effect on your credit score. Credit bureaus do not track address changes, and your credit report will not be affected.

Can I change my address if I have a balance on my card?

Yes. You can change your address at any time, regardless of whether you have a balance. The address change does not affect your account balance or your ability to make payments.

What if I am moving to a different country?

Call customer service and tell them you are moving internationally. Some credit card companies do not send cards to certain countries, or they may require additional verification. Ask whether your card will work in your new location and what options are available for receiving statements.

How do I change my address if I do not have my card with me?

You can still change your address online if you remember your username and password, or you can call customer service and verify your identity using your account number and Social Security number. You do not need the physical card in front of you.