Your billing address allows your credit card issuer to send you important materials and protect your account. Here’s what you need to know.
See related: Credit card fraud and ID theft statistics
Not sure what your billing address is and how to find it? Or moving and looking for a simple way to update it? Read on and learn what steps you can take.
What is a billing address?
A billing address on your credit card is the address your credit card issuer associates with your account and uses to send you credit card statements and any other billing information, as well as the credit card itself. It’s also a part of your personal information used to identify you as the cardholder.
While your billing address will often match your shipping address, they serve two different purposes. Your billing address is used by your credit card issuer to send you important information and materials, while your shipping address is where you get your online orders and other types of packages.
Billing addresses can help against identity theft when a merchant utilizes the Address Verification System, or AVS. The system can lower the risk of fraudulent charges by comparing the shipping address to the card’s billing address during the checkout. If they don’t match, the merchant might decline the transaction and alert the credit card issuer.
For example, AVS is also often used at gas stations when you’re paying at the pump and asked for a ZIP code. If you don’t provide the right ZIP code, your card will be declined.
How to check the billing address for a credit card
If you’re not sure what you’ve put as your billing address, there are a few ways you can find it.
First things first, if you’re getting your credit card statements in the mail, it’s safe to say your physical address is your billing address. You can confirm that by checking the payment stub version of your bill – your billing address should be there.
However, many credit card holders opt in for paperless billing. If that’s also the case for you, you can find your billing address on electronic statements you’re getting from your card’s issuer. Alternatively, you can often find your mailing address by logging into your online banking account and checking your personal information. Some credit card issuer apps have virtual assistants that can guide you to the right place.
When all else fails, you can always contact your issuer’s customer support. Sometimes you’ll be able to get your address through the automated voice system when you’re calling your bank, other times you might have to speak to a representative.
How to change your billing address
If you’re moving and need to change your billing address, you can use the same tools we’ve recommended for finding it.
Use your credit card issuer’s website or app
Changing your billing address online is the easiest way and takes minutes – just log in to your online account and edit the address in your profile.
Call customer support
You can also call the number on the back of your credit card and speak with a customer service representative to change your mailing address.
Update your address via mail
If you’re used to mailing your credit card payments, you can write your new address on the back of your payment coupon, which often includes a space for address changes. On the front of the coupon, you’ll usually find a box where you can indicate that you’re changing the address – make sure to check it.
Change your address in person
If you prefer, some credit card issuers allow you to visit their branch if there’s a location nearby. There, you can speak with a representative who will update your mailing address for you.
Whichever option for updating your address you choose, make sure to go through each of your credit card issuers. It might be a good idea to make a list so that you don’t miss any banks or other financial institutions and nobody else gets your financial documents instead of you.
Your billing address is used by your credit card issuers to send you monthly bills and other information, as well as to protect your account from potential fraud. Keep your billing address updated to ensure you’re not missing any important communication from your issuer and keeping your credit card account safe.