Does Billing Address Name Have to Match Credit Card Name?

Does Billing Address Name Have to Match Credit Card Name?


When one applies for a credit card, that person automatically becomes an authorized user. Unless the account is managed by two or more people, being an authorized user means that you can use someone else's credit card. 

To become an authorized user of someone's credit card account, they simply add your name to the account, granting you permission to use the card. While it looks like you own the card, you aren't the primary account holder. 

Your account will come with a credit card, but you will not get the same privileges as the main account holder. It is likely you won't be able to make changes to your account, such as requesting a credit increase or adding more authorized users. 

A billing address on a credit card is as important as the name on the credit card. Let's define the term "BILLING ADDRESS". A billing address is the address associated with a specific form of payment, typically a credit or debit card.

Shipping addresses, which are names of addresses where packages will be delivered, are different from billing addresses. There may be a difference in the shipping and billing addresses. When the billing address is different from the shipping address. In order to verify the authorization of use of this type of card, companies use the billing address. It is important that billing addresses match those on file with the card issuing bank, otherwise purchases may not be processed. 

Cardholders must update their billing addresses if they move. Contact the issuing bank to obtain this information. It is also important that the name on a credit card match the address on the billing statement. 

Are the names on a credit card and the billing address required to match?

Card holders are identified by the name on their cards.

Many parents give their children credit cards for expenses while away at school or in other locations away from home, but the address of the cardholder (the child), may differ from the billing address (the parents' address). 

When it comes to cases such as these, the parent is legally responsible for the debt, so the bills go to them. 

If you trust your child, spouse, personal assistant, or anyone else with access to your credit line, you can request to have credit cards issued in the name of those people. In fact, the bill is their responsibility, and the money must be repaid.

When a credit card transaction is completed with an incorrect billing address, what happens?

Basically, there are 2 scenarios to consider:

  • The address verification service (AVS) plays a crucial role in online transactions. The AVS is generally used by e-commerce businesses to reject transactions with the AVS mismatching because fraudulent online transactions are so common.
  • If the key-in transaction was done on a credit card terminal, the end of the receipt would display an AVS response code (can be googled) like "YZZ", which tells the merchant which part of AVS is incorrect. By doing so, the merchant may be forced to cancel the order because of incorrect information provided.

If the incorrect AVS is entered, the card (about 80% of Visa cards and 40% of MasterCard cards) will downgrade to a higher interchange. If the business is one of the emerging market merchants (schools, utilities, government entities...), it will ignore the downgrade.

Is it possible to find out my billing address?

Your credit card application address is the same as the one you used when applying.

You will receive statements and cards at the same address.

You will still need to provide a billing address in order to be able to receive your card from your bank if you selected online billing and have your card sent to your bank.

In case you cannot recall it, it's on your online statement, since an online statement is a PDF of a paper statement.

Are there any stores where you can use your credit card without providing a billing address?

Online or over the phone orders would be the only times you'd need your billing address. No problem presenting your card for payment in any store. When making a purchase in person, you do not need to provide a billing address. But online, this serves as proof of who you are and the validity of your card.

When placing an order on Target.com, does my billing name have to match my credit card name?

It is necessary that your billing name matches the name on your credit card in order to take legal action. As your spouse or another individual who indicates they have been given 'verbal' authorization to use your card, they cannot provide sufficient legal authorization, as they are not the cardholder.

To apply a payment method at checkout, we must speak with the cardholder if you call Target.com Guest Services for help placing an order.

Does the name on my iTunes billing address have to match the name on my credit card?

Names need not match the ones on the credit cards, but addresses must match those listed on the cards' billing address. In the iTunes store account, you can edit the address you are using for the purchase and then change it back afterward.

Does my billing address have to match the address on file with my credit card?

The answer is yes. Your billing address must match the one on your credit card statement to verify your credit card. Your payment may not be fully processed if you do not do that.

However, you do not have to match the shipping address provided with your credit card or billing address.

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