Your billing address on a Chase credit card is the mailing location Chase uses to send statements and contact you about your account

You can change it online through your Chase account, by phone, or by mail. The address you provide affects where statements go, how Chase contacts you about fraud or late payments, and whether transactions match your card issuer's records during verification. If you've moved, changed your name, or need mail sent somewhere other than your home, updating this address takes a few minutes.

Chase does not automatically update your billing address when you change your mailing address with the post office. You must change it yourself in your account or by contacting Chase directly.

Key Takeaways

  • You can update your billing address through the Chase mobile app, the Chase website, by calling the number on the back of your card, or by mailing a written request.
  • Changes made online or by phone usually take effect within one to two business days.
  • Your billing address is separate from your statement delivery address — you can have statements mailed to one location and billing inquiries sent to another.
  • Updating your address does not affect your credit report or credit score directly, but mismatched addresses can cause transaction declines during fraud checks.

Changing Your Address Online Through Chase

Log into your Chase account on the Chase website or mobile app. Go to the account settings or profile section, usually labeled "Settings," "Profile," or "Account Information." Select the card you want to update, then choose "Edit Address" or "Manage Address Information."

Enter your new billing address exactly as it appears on mail and official documents. Chase will ask for your street address, city, state, and ZIP code. Some accounts also ask for an apartment or unit number. Save the changes. You should see a confirmation message on screen, and Chase will send you an email confirming the update. The new address takes effect within one to two business days.

Changing Your Address by Phone

Call the customer service number on the back of your Chase credit card. Have your card number and the last four digits of your Social Security number ready. Tell the representative you want to update your billing address.

Provide your new address clearly, spelling out the street name and confirming the ZIP code. The representative will read it back to you to confirm. Ask them to note the time and date of the change in your account. Phone changes usually take effect within one to two business days as well.

Changing Your Address by Mail

Write a letter to Chase requesting an address change. Include your full name, account number, the old address on file, and the new address you want on record. Sign the letter and mail it to the address listed on your statement or the back of your card.

Mail changes take longer — typically five to ten business days after Chase receives your letter. If you need the change faster, use the online or phone method instead. Keep a copy of your letter for your records.

Billing Address Versus Statement Delivery Address

Chase allows you to separate these two. Your billing address is the official address on your account — the one used for fraud detection and account verification. Your statement delivery address is where Chase mails your paper statements, if you receive them by mail.

You might use this separation if you want billing inquiries sent to your home but statements mailed to your workplace, or vice versa. To set up separate addresses, update your billing address through the methods above, then look for a "Statement Delivery Address" or "Mailing Address" option in your account settings. Not all account types offer this feature, so check your settings to see if it is available.

What Happens When Your Address Changes

After you update your billing address, Chase uses the new address for all future correspondence. Old statements and notices will no longer be mailed to your previous address. If you are expecting a statement or important document before the change takes effect, check your online account or request a copy from customer service.

A mismatched billing address can cause online transactions to decline during fraud verification. If you recently moved and your billing address does not match the address associated with your payment method at an online retailer, that retailer's system may flag the transaction as suspicious. Update your address with Chase first, then update it with any merchants or payment services where you have saved your card information.

Updating Your Address After Moving or Name Changes

If you have moved, update your address as soon as possible to may support statements and fraud alerts reach you. If you have changed your name due to marriage, divorce, or legal change, you will need to update both your name and address. Call the number on the back of your card or log into your account to change your name first, then update your address.

For name changes, Chase may ask you to mail in a copy of a legal document — such as a marriage certificate, divorce decree, or court order — to verify the change. Ask the representative what documents they need before you hang up or close your session. Address changes alone do not require documentation.

Frequently Asked Questions

Does changing my billing address affect my credit score?

No. Your billing address is not reported to credit bureaus and does not affect your credit score. However, if a mismatched address causes transactions to decline, those declines do not appear on your credit report either — they are just declined transactions.

Can I have my billing address in one state and my statement mailed to another?

Yes, if your account allows separate billing and statement delivery addresses. Set your billing address to your official residence and your statement delivery address to wherever you want mail sent. Not all Chase accounts offer this option, so check your settings.

What if I change my address but forget to update it with Chase?

Chase will continue sending statements and notices to your old address. If you do not receive important documents, log into your account online to view them, or call customer service to request copies. Update your address as soon as you realize the mismatch.

How long does it take for a billing address change to show up in my online account?

Changes made online or by phone usually appear in your account within one to two business days. Mail requests take five to ten business days after Chase receives them. You can confirm the change by logging into your account and checking your profile settings.

Do I need to update my billing address if I move temporarily?

If you are moving temporarily, you can update your statement delivery address to have mail sent to your temporary location while keeping your official billing address unchanged. If you are moving permanently, update your billing address to your new permanent residence.