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Changing Address on a Credit Card

Moving to a different place of residence? Don’t forget to change the address on your credit card to ensure a smooth flow of correspondence between the bank and you. Updating the new correspondence address with the bank is critical for ensuring a smooth and secure flow of information with regards to credit card statements, bank notices, new product information, etc,. between both parties. You can opt to change your credit card address both online or offline.

How to Update Credit Card Address Online?

Some of the common methods to change your credit card address online are mentioned below.

Change Address on Credit Card Using the Netbanking Portal

You can update your credit card address via net banking by following the steps mentioned below:

  1. Visit your bank’s official web page and sign in to the credit card netbanking portal with your credentials.

  2. Go to the ‘Address’ section which will be available under your profile.

  3. Click to edit the information and enter the new communication address.

Change Address on Credit Card Via Email

You can also change your credit card address by sending an email to your bank’s official customer support email ID. Mention the new address along with your credit card number in the email and request for it to be set as your new correspondence address.

Change Address on Credit Card Through Mobile App

Some banks offer the address change option on your credit card via their mobile apps. Simply follow these steps:

  1. Download the bank’s official mobile app from the app store.

  2. Login to your account.

  3. Find your registered address under the profile section.

  4. Edit and update the new information.

How to Update Credit Card Address Offline?

If you do not have access to the online methods, you can also change your credit card address offline. Here’s how:

  • Call the Customer Service

You can call on your bank’s credit card customer care number and express your desire to update the correspondence address. The executive would ask for some details to confirm ownership before assisting you with the address change process.

  • Submit a Written Request to the Bank

You could also opt to write a letter and send it to the bank stating your desire to update the address against your credit card. Remember to mention the basic card details, such as your name, account number, credit card number, expiry date, and phone number along with your new correspondence address in the letter.

  • Visit the Nearest Branch

You can also visit the nearest branch to update the correspondence address on your credit card. You can fill out the credit card address change form and provide all the necessary documents for authentication to change the credit card address.

Documents Required to Change Credit Card Address

To update your billing address, you would need to fill up a credit card address change form.

  • Voter ID card

  • Passport

  • Aadhaar card

  • Driver’s licence

  • UIDAI-issued letter with your name, Aadhaar number, and address

  • Utility bills for the last two months

  • Property papers or municipal tax receipts

  • Bank account statement or post office savings account statement for last two months

  • Self or family pension payment orders that have the current residential address

What Happens If You Enter the Wrong Billing Address?

A billing address is an address where a person or company receives bills or relevant transaction documents eg: credit card bills, online shopping bills, etc. In case you enter a wrong billing address on your credit card, you might miss out on any correspondence sent to you by the bank. Moreover, any goods or any online shopping that you do with your credit card will either get delivered to the wrong address or in some cases, the order might get cancelled. In most cases, the retailer will inform you about the discrepancy via mail or a call. However, to avoid all these hassles, it is important that you cross-check your credit card billing address before submitting.

Why Is It Important to Update Your Credit Card Address?

  • Updating the address on your credit card ensures that banks or credit card issuers can conveniently contact you without any gap in communication

  • It ensures that you get all the necessary correspondence from your credit card issuer, such as credit card bill statements, important notices, letters, etc. promptly

  • When you update your credit card address, it ensures that sensitive information shared by correspondence between your credit card issuer and you does not end up in the wrong hands of any new person staying at your old address.

  • In case your credit card expires or gets an upgrade, the new credit card is sent to an address that is currently registered with the bank. In case you have changed your residence, it is important to update the address so that the new credit card isn't misdelivered.

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FAQs on Credit Card Address Change

✔️Can I register multiple addresses for my credit card?

Yes, you can register multiple addresses, such as permanent residence address, current residence address, office address, etc., against one credit card.

✔️How much time does it take to update the credit card billing address?

Usually, it takes 4 to 7 days to update the credit card billing address. Different banks have different timelines for updating addresses.