You can change the name on a Chase credit card by calling Chase directly, updating it online through your account, or visiting a Chase branch in person

Chase allows you to change the cardholder name on an existing account through three main routes. The fastest is usually a phone call to the number on the back of your card — you'll reach a representative who can process the change while you're on the line. If you prefer to handle it yourself, you can log into your Chase online account or mobile app and look for account settings or profile options. A third option is to walk into a Chase branch with a photo ID and ask a banker to update your name in their system.

The change typically takes effect within one to two business days, though you may not receive a new physical card when ready. Chase will usually send you a replacement card with the updated name within 7 to 10 business days. Until the new card arrives, your old card remains active and usable.

Key Takeaways

  • Call the number on the back of your Chase card to change your name over the phone — this is often the fastest method and requires only your account information and photo ID details.
  • You can also update your name through your Chase online account by logging in and navigating to account or profile settings, though the exact steps vary by card type.
  • A replacement card with your new name will arrive in the mail within 7 to 10 business days after the change is processed.
  • Your old card continues to work until the new one arrives, so you won't lose access to your credit line during the transition.

Changing your name by phone

Calling Chase is the most direct method for most people. The phone number is printed on the back of your credit card. When you call, have your card number and a government-issued photo ID ready — the representative will ask you to verify your identity before making any changes.

Tell the representative you want to update the name on your account. They will ask for the new name exactly as you want it to appear on your card and in their system. This is the time to specify whether you want a middle initial, a suffix, or any other detail. The representative will confirm the change and give you a reference number for your records.

The change is usually processed when ready in Chase's system, though the physical card may take up to 10 business days to arrive. Ask the representative whether a new card will be mailed automatically or whether you need to request one.

Updating your name online or through the mobile app

If you have a Chase online account, log in and look for a section labeled "Profile," "Account Settings," "Personal Information," or "Account Details." The exact label depends on which type of Chase card you hold and when your account was created. Once you find the right section, you should see an option to edit your name.

Click or tap to edit, enter your new name exactly as you want it on your card, and save the changes. Chase will send you a confirmation email. The change takes effect within one to two business days, and a replacement card will be mailed to your address on file.

If you cannot find the option in your online account, the mobile app sometimes has a different layout. Try searching the app's help section for "change name" or "update profile." If neither the website nor the app allows you to make the change, call Chase — some older accounts or specialty cards may require a phone call.

Changing your name in person at a Chase branch

You can also visit any Chase branch and ask to update the name on your credit card account. Bring a government-issued photo ID and your card. A banker can process the change in their system while you wait.

This method works well if you prefer to handle things face-to-face or if you have questions the representative can answer in real time. The change is processed the same way as a phone call — when ready in the system, with a replacement card mailed within 7 to 10 business days.

What happens to your old card

Your old card with the previous name remains active and usable until your new card arrives. You do not need to do anything to deactivate it. Once you receive the new card, you can destroy the old one by cutting it up or shredding it.

If you want to be extra cautious, you can call Chase after your new card arrives and ask them to deactivate the old card. This prevents anyone who finds it from using it, though the card is already tied to your account and would require your PIN or other verification to use.

Reasons you might need to change your name

Common reasons include marriage, divorce, legal name change, or correcting a spelling error from when the account was opened. Chase processes all of these the same way — there is no special form or documentation required for any particular reason.

If you are changing your name due to a legal proceeding, you do not need to provide court documents to Chase. The bank only needs your current ID and your request. However, if you are also changing your name with the Social Security Administration or your state, do that first so your ID matches the name you give Chase.

Frequently Asked Questions

Will changing my name affect my credit score or credit history?

No. Your credit history stays attached to your Social Security number, not your name. Changing the name on your card does not create a new credit file or affect your existing credit score. All your payment history and account activity remain on your record under your Social Security number.

Do I have to pay a fee to change my name on my Chase card?

No. Chase does not charge a fee to update the name on your account or to send you a replacement card. The service is free whether you do it by phone, online, or in person.

What if I want to add an authorized user instead of changing the main cardholder name?

Adding an authorized user is a different process from changing the cardholder name. You can add an authorized user through your online account, by calling Chase, or at a branch. An authorized user gets their own card with their name on it but shares your account and credit line. The main cardholder name remains unchanged.

How long does it take to receive the new card after I request the name change?

Chase typically mails a replacement card within 7 to 10 business days after the name change is processed. Processing itself takes one to two business days. Your old card continues to work during this time, so you won't be without access to your credit line.

Can I change my name if I have a balance on my card?

Yes. You can change your name at any time, regardless of your account balance or payment status. The change does not affect your balance, interest rate, or any other terms of your account.