You will need to change your legal name if you just have faced an identity shift or any life transition. Changing the name on your credit card is as important as changing it on your legal government documents like IDs.
The process of changing the name on the credit card can be tricky if you own more than one credit card. But do not worry as we are here to assist you. In this article, we will cover only the steps you will need when changing the name on the credit card but if you want complete information about the name-changing process then visit this. Let's get started.
Steps to change the name on credit card
These steps are necessary if you want to have a name change on your credit card:
1. Update the name on your Government documents such as ID cards
Before thinking of making any change to your credit card, you will need to have updated Government-issued ID cards like Driver’s licenses, Passports, etc. This is because the credit card company will need to verify your name on your legal government documents first.
2. Check for any necessary information via your credit card issuer
Contact your credit card issuer and collect all the necessary information you will need to make a name change on your credit card. Different credit card issuers have different needs for documents and procedures.
3. Collect the required documents
Now, it is time to collect all the necessary documents that you will need to apply for the name-changing process. Here are some documents that you might need for this procedure:
Photo ID
Any government-issued ID like your driver’s license or passport
Signed W-9 with your new name on it
Your marriage certificate
Social security number
Divorce decree
Birth certificate
Court order that approves the name change
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4. Documents Submission
Submitting documents is the main step of all. You will need to submit the documents online or in some cases the credit card issuers will want you to come to a physical office and complete the submission process offline. Before submitting all the documents, make sure your new name should be present on all the required documents.
5. Follow up the process
After applying for a name change and completing all the formalities, it is now time to wait for the credit card to be received. It might take at least five days. But if it is taking time more than this then contact your credit card issuer.
Does changing the name on your credit card affect your credit?
Here is some good news. Changing the name on the credit card does not affect your credit score or limit. Your new name will the reported to the three major credit bureaus. But make sure there is no typo in your new name on the card otherwise it can create confusion can further errors can occur on your credit report.
Bottom line
Follow the above-discussed steps to apply for a change in your name on your credit card. We hope you find this to-the-point article helpful.