And how can you change your credit card billing address? Let's take a close look at how billing addresses work, including how to find the billing address of a credit card and how to change your billing address with several major credit card issuers. What does "billing address" mean? A billing address is the address associated with your credit or debit card account.
When you apply for a credit card online , for example, the address you include on your application will become your billing address. A billing address looks just like a street address-it has a street number and name followed by a city, state and ZIP code. If you live in a specific apartment or unit, that information will be included in your billing address as well. Your billing address is the address to which your monthly billing statement is sent-but there's more to a billing address meaning than just 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 the checkout process, 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. There's no billing ZIP code printed on your credit card-which means that if your card gets stolen, the thief will have a hard time using your credit card to make purchases.
If you are making a purchase that requires you to enter a full 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. Here's what to do if you're currently asking yourself "what's my billing address?
If you have a bank account that includes a checking account, a credit card and a debit card, making a credit card address change might 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 of the addresses are updated.
Phone: Call a customer service rep to update your billing address. There are different phone numbers depending on the type of Citi credit card you have, so check the back of your card for the right number.
Here are customer service phone numbers for Citi and some popular cards:. In person: You can visit a Citibank branch. For a Citi payment sent by mail or courier, you should include your name and the last four digits of your account number on the front of your check or money order.
Phone: You can call the phone number on the back of your Discover credit card or the general customer service number to change your billing address: Online: To update your address, log in to your online account and submit an address change.
Phone: You can call the phone number on the back of your HSBC credit card or the general customer service number to change your address: Fill in your remittance stub, which is included in your credit card billing statement, and mail it along with your payment. Online: To update your address, log in to your PenFed account online.
Phone: You can call the phone number on the back of your PenFed credit card or the general customer service number to change your address: Online: Log in to your U. Bank account online. Phone: You can also call the phone number on the back of your U. Bank credit card or the general customer service number to change your address:. In person: You can visit a U. Bank location to get your address updated in your account as well. Phone: Call the phone number on the back of your Wells Fargo credit card or to get assistance updating your billing address.
Keeping your personal details up to date is critical so your credit card company can get you any important account information, or send you a new card if yours is lost or stolen. Making payments on time is crucial as well so you can keep your credit in good standing.
So, whether you pay online or via check, make sure you allow enough time for payments to arrive before your due date. Take note that different issuers will have different processing times. Online payments will always be the fastest, but can still take one to three business days.
Mailed payments may take considerably longer, so if you take that route contact your card issuer to learn more about processing times. It can also be important for identity verification. You can change your billing address online by first logging in with your account credentials.
Check out these links to get started, depending on your credit card issuer. No, you can also change your billing address by phone or mail. Ellen Sirull is a writer with over 15 years of experience, covering topics from personal finance to identity protection to credit and credit cards. Do you have a correction, tip, or suggestion for a new post? Contact us here. The responses below are not provided or commissioned by bank advertisers. You might want to keep this address on hand just in case you need it for the future:.
If you need to file a dispute with your auto loan, there is a separate address for this function. You will need to mail in dispute to:. Managing your checking and savings account is easy with Wells Fargo because there are locations nationwide. However, some people still prefer not to go into their local branch.
Instead, they prefer to handle everything via snail mail or through their online banking portal. If you need to mail in anything related to a checking or savings account, here is the address you will use:.
Sometimes, you might need to file a dispute with your account. You can do this by mailing in your paperwork to their Overdraft Collection and Recovery agency. It has a separate address from the one listed above.
This is only for checking and savings accounts:. Anything related to a Wells Fargo credit card needs to be mailed to a separate address. Keep in mind that this will be different than the address used for checking and savings accounts. All documentation related to credit cards can be sent to:.
Consumer reporting disputes related to credit cards will go to a different address. Wells Fargo is a very popular choice for lending products like the home equity line of credit and home mortgages. While similar, both of these departments will actually have separate addresses. You should be familiar with where to send paperwork related to these items.
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