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To change your name on a credit card, you will need to provide copies of identification in your new name to your credit card issuer. These documents can usually be submitted online, by mail, or in person, depending on the issuer. You’ll need to include a marriage certificate (if applicable), a Social Security card, and a driver’s license or other form of identification.
Preparing for the Change
Before starting the name change process, cardholders should ensure they have the legal documentation that verifies their name change. Commonly accepted documents include a marriage certificate, divorce decree and a court order among other things.
- Marriage certificate: For changes related to marriage.
- Divorce decree: For changes due to divorce.
- Court order: For legally mandated name changes.
- Updated Social Security card: To confirm the name change legally
Steps to Change Your Name
- Contact Card Issuer: Reach out to your credit card issuer through customer service, online banking, or in-person at a branch.
- Provide Documentation: You will need to submit copies of legal documents showing your name change. This could be your marriage certificate, divorce decree, or other legal documents.
- Complete Forms: Some issuers may require you to complete a name change request form, which might be available online or at a local branch.
- Receive New Card: Once the request is processed, the credit card issuer will send you a new card reflecting your updated name. Processing times can vary, often ranging from a few days to a couple of weeks.
Other Key Things to Know
- Processing time: Once your request is processed, the name change will be immediately reflected on your online account, and your credit card company will automatically mail you a new card. Your new card should arrive in 5-10 business days.
- Credit score effects: A name change will not affect your credit history as this is not the only identifying factor on your credit report. Your credit report is also tied to your Social Security number, which stays the same even when you change your name. Your credit score is based on the contents of your credit report.
- Credit report update: Once you’ve submitted all the required documents and the issuer has updated your personal information, the new information will be reported to the credit bureaus. Once this happens, the new name should be reflected on your credit report.
You’ll only be able to change your name on a credit card with multiple forms of legal documentation. And it can take a while to get those together, so it’s best to start as soon as possible. If you don’t change the name on your credit card, you might run into difficulties trying to apply for a loan or line of credit in the future.
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