Call Chase customer service or use your online account to request a name change

Chase processes name changes through two routes: a phone call to their customer service line or an update through your online account. The phone method is faster if you need the change within days. The online method works if you have time to wait for mail confirmation. Both routes are free, and Chase does not charge a fee to update your cardholder name.

You will need your card number, the last four digits of your Social Security number, and your new legal name. If you changed your name through marriage, divorce, or a legal court order, have that document nearby — Chase may ask you to mail a copy, though many name changes go through without it.

The physical card itself will not change until your current card expires or you request a replacement. Chase will issue a new card with your updated name at no cost when your card reaches its expiration date. If you want the new name on your card sooner, you can request a replacement card during the same call or through your online account, though this is optional.

Key Takeaways

  • Call Chase at the number on the back of your card or log into your Chase account online to start a name change.
  • Have your card number, the last four digits of your Social Security number, and your new legal name ready before you call.
  • Chase will update your account name when ready, but your physical card will not reflect the change until it expires or you request a replacement.
  • You do not need to provide legal documentation for most name changes, though Chase may ask for it and you can mail it later if needed.
  • A replacement card with your new name costs nothing and arrives in five to seven business days if you request one.

Changing your name by phone

Call the customer service number on the back of your Chase credit card. You will reach an automated system first. Select the option for account changes or customer service, and you will be routed to a representative. The wait time is usually under ten minutes during business hours.

Tell the representative you want to change the name on your account. They will verify your identity by asking for your card number and the last four digits of your Social Security number. Once verified, give them your new legal name exactly as it appears on your government ID or legal documents.

The representative will confirm the change and tell you it is now active on your account. Ask them whether Chase needs you to mail in legal documentation — for most name changes, they will say no. If they do ask, they will provide a fax number or mailing address. You can mail the document later; the name change on your account does not depend on receiving it first.

Before you hang up, ask whether you want a replacement card with your new name. If you say yes, the representative will confirm your mailing address and tell you the card will arrive in five to seven business days. If you say no, your current card remains active and your account name is updated.

Changing your name through your Chase online account

Log into your Chase account on their website or mobile app. Go to the settings or profile section — this is usually labeled "Profile" or "Account Settings" in the menu. Look for an option that says "Personal Information" or "Edit Profile."

Select the option to change your name. Enter your new legal name in the fields provided. Chase will ask you to confirm the change and may require you to verify your identity again by answering security questions or entering a code sent to your phone or email.

After you confirm, Chase will send you a confirmation email. Your account name changes when ready. Within a few days, you will receive a letter in the mail asking you to confirm the change or provide legal documentation if needed. You can ignore this letter if you do not have documentation, or you can reply with a copy of your marriage certificate, divorce decree, or court order if you have one.

If you want a replacement card with your new name, you can request one through the same settings menu. Look for "Order a replacement card" or "Card services" and select that option. The new card will arrive in five to seven business days.

What happens to your account and credit during a name change

Your credit history stays attached to your account. The name change does not affect your credit score, your available credit, your interest rate, or any rewards you have earned. Chase straightforward updates the name associated with your existing account number.

Your old card remains active until it expires, even after your name is changed in the system. You can use it normally. Merchants will not reject it because the name on the card does not match your current legal name — card readers do not check the name, and most transactions do not require a name match.

If you are concerned about the name mismatch, request a replacement card. This is optional, but it ensures your physical card matches your account and your ID.

If you need the change before your card arrives

Your account name changes when ready when you call or update online, so you can use your Chase account and make purchases right away. The delay is only in receiving a physical card with the new name printed on it.

If you need to use a card with your new name before the replacement arrives, ask Chase whether they can expedite the card. Some locations offer expedited shipping for a fee, though this is not standard. Most replacements arrive in five to seven business days at no cost.

In the meantime, your old card works normally. You can also use your Chase debit card or add your account to a digital wallet like Apple Pay or Google Pay, which does not display the cardholder name.

Name changes after marriage, divorce, or legal order

Chase treats all name changes the same way — they do not require different steps for marriage, divorce, or court-ordered changes. However, having legal documentation makes the process smoother if Chase asks for it.

If you changed your name through marriage, keep a copy of your marriage certificate. If you changed it through divorce, keep a copy of your divorce decree. If you changed it through a legal court order, keep a copy of that order. You do not need to send these documents upfront, but having them ready means you can mail them when ready if Chase requests them.

Some people change their name on multiple accounts at once — credit cards, bank accounts, insurance, and so on. You can do this with Chase and other companies simultaneously. There is no penalty for doing so, and it does not affect your credit.

Frequently Asked Questions

Does changing my name on my Chase card affect my credit score?

No. Your credit history stays attached to your account number, not your name. The change is purely administrative and does not trigger a hard inquiry or affect your score in any way.

Can I change my name if my account is in someone else's name?

No. Only the person whose name is on the account can request a name change. If the account is a joint account, both cardholders must request the change together, or the primary cardholder must contact Chase to make the change.

What if I do not have legal documentation for my name change?

Chase will usually process the change without it. If they ask for documentation later, you can mail it then. There is no important date, and your account name change does not depend on receiving the document first.

How long does it take for my new card to arrive?

Standard replacement cards arrive in five to seven business days. Some Chase locations offer expedited shipping, but this is not may provide and may have a fee. Ask the representative when you request the replacement.

Can I use my old card while I wait for the new one?

Yes. Your old card remains active and works normally until it expires, even after your name is changed in the system. You can use it for purchases, balance transfers, and cash advances.