Card Basics: What is the Billing Address on my Card?

Card Basics: What is the Billing Address on my Card?
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Point Editorial

All credit cards have a billing address. All online purchases require a shipping address.

But the two aren’t always necessarily the same.

The difference between the billing and shipping addresses can sometimes be small or non-existent, which can be confusing if you aren't used to the checkout process for most online purchases.

Keep reading to learn the meaning of your billing address, how it differs from your home and shipping addresses, and how to change your address when you move.

What is a billing address? What is it used for?

Your billing address is the address associated with your credit or debit card account. Whenever you apply for a new card, the address you include on your application becomes your billing address for that card. That means your credit card company will send your monthly statement to that address.

Your billing address is also stored in the Address Verification System (AVS) and plays a vital role in preventing credit card fraud and identity theft

When you make purchases online, merchants often ask for your billing address during checkout to confirm that you're the rightful owner of your card. In some cases — like at the gas station — you'll only be asked for your ZIP code.

The merchant then compares the billing address or ZIP code you entered with the billing address stored in the AVS. If the addresses don't match, the transaction will usually be declined.

What is the difference between my home, billing, and shipping address?

Your home, billing, and shipping address can often be the same — but not always.

Your home address is the physical address where you live. If you entered your home address when you applied for your card, your home address and billing address are the same. But if you have a business credit card, the billing address will often be different from your home address.

Your shipping address is the address where you want to receive mail and deliveries. If you want to receive deliveries at home, your shipping address will be the same as your home address.

But sometimes, you want to send a purchase to a different location. This can be the case for gifts, business purchases, or if you have multiple addresses. 

When you make an online order, you can usually enter whatever shipping address you want and change it from one purchase to another. However, some retailers require the same shipping and billing address. This is usually the case with high-value items that can be common targets for credit card fraud.

How to change your billing address 

If you're planning on moving any time soon, remember to change the billing address associated with your cards. If you don't, someone else might receive your credit card statements, and you might have problems using your card. 

There are several ways to change your credit card's billing address. You can often make the change in advance and indicate the date you want your new address to take effect.

Use your credit card issuer's website or app

You can often change your address easily by simply logging in to your online account and editing your personal information in your profile. 

Call customer support

Another option is to call the number on the back of your credit card and speak with a customer service representative.

Update your address via mail

If you're accustomed to sending your credit card payments by mail, there's a space provided for address changes on the back of your payment coupon. Make sure to check the box on the front of the coupon to indicate that you're changing your address.

Change your address in person

Some credit card issuers will let you visit a local branch to speak with a representative who can update your mailing address for you.

Changing your billing address with each issuer

Whichever approach you take to changing your address, make sure to go through the process for each of your cards. You may want to make a list so that you don't forget one.

How do I fill out a billing address form?

When you make a purchase online, most sites will ask you to enter a billing address before continuing with the purchase. This might seem a bit confusing since you'll also have to enter a shipping address later.

Follow these easy steps to enter your billing address in an online form:

Step 1

Select the payment method you want to use. After entering your card number and CVV, you might be prompted to enter your name. If so, make sure to enter it exactly as it appears on the front of your card. 

Step 2

Next, you'll enter your billing address. If you aren't sure what your billing address is, you can find it in your online account or by calling the number on the back of your card.

Step 3

After you've entered your street address (and apartment or unit number, or P.O. Box, if you have one), enter your state, country, and ZIP code. You might also have to enter your phone number.

Step 4

Review all the billing information and check for any typos or spelling mistakes. If the address you entered doesn't exactly match the one on your card account, you may see an automated message informing you the purchase couldn't be completed. If that happens, try again. If it doesn't work the second time, you may have to contact your card issuer.

The bottom line

Understanding the difference between your home address, billing address, and shipping address can help you avoid confusion when making online purchases. It can also protect you against potential credit card fraud and identity theft.

Navigating your personal finances can sometimes be challenging. But when you know how your credit and debit cards work, you make better, more informed decisions. 

To make your money work for you, you want all the best tools on your side. That's why we designed PointCard™. 

A transparent, easy-to-use alternative payment card, PointCard allows you to spend your own money while also receiving exclusive benefits, including unlimited cash-back on all purchases and bonus cash-back on subscriptions, food delivery, rideshare services, and coffee shop purchases.  

You also get fraud protection with zero liability, no interest rates, and rental car and phone insurance.

Join Point now.

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Point Editorial
A group of writers, thinkers, & designers from varying backgrounds — all part of the PointCard team. Sharing perspectives on concepts in design, finance, and culture through an everyday lens.
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