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How to Change Name on Credit Card: Complete Guide (2024)

As a woman, it’s annoying to have to carry around your marriage certificate as proof of who you are and what your name is. You have to show one document after another because your current information like your last name isn’t linked to the bank or financial institution. If the name on your credit card does not match the name on your driver’s license or another form of government-issued identification, you will be required to change the name on the credit card.

Likewise, as a man, it can be painful to carry around a birth certificate to prove who you are in case your name is misspelled on your credit card or other financial tools or any establishment as mentioned above. If you secure your documents before realizing that you had spelled your first or last name incorrectly, this could happen. And you should definitely go for a credit card name change.

So, it’s important for both men and women to keep their personal information, especially their names, up to date to avoid hold-ups not just at financial institutions but also at government offices and other private institutions. In order to avoid these hold-ups or hassles, it’s important for everyone to keep their personal information up to date.

What Causes People to Change Names on Credit Cards?

If your name is different on your credit card and government ID, you may run into problems while corresponding with financial institutions or even obtaining government benefits. Why do people get into these kinds of messes? What are the reasons that people are required of changing names on credit cards? There are two main reasons why people end up in such situations.    

Change name on credit card

1- The first is when you register your name to get married or split up. Whether you got married or split up, you forgot to change your name. In other situations where you want to legally take the last name of your mother or father. This legal name hasn’t been changed yet on the cards.

2- The second instance is when you filled up the form wrongly while obtaining the card. And there will be some errors from the bank’s side because they might have entered the wrong name. As stated already, either you or the bank has misspelled your name.

You can still use your credit to do all the financial things you need to do in your daily life. You still get all the benefits, and you can go on with your life as usual.

But there is a catch, or just put, there is a problem. You’ll have to carry your government-issued ID and other affidavit documents with you when you’re out and about. You can continue to show your IDs and go on with your lives. This sounds simple when you say it. But you will have to deal with all the bad things that happen in the world.

This is why you should definitely make sure that your name is up-to-date on all of your credit cards and anywhere else that deals with money.

Changing Names on Credit Cards is Not That Tough as it Sounds

The credit card name change procedure, especially your last name, is a very time-consuming process. If you didn’t have the documents that were needed, your application would be turned down. This is something that would break your heart. 

So, here are the steps you need to take to opt for a credit card name change.

1- Marriage Certificate

It is the most important thing that a married person needs. The first thing you need to remember after you married is to follow up with the marriage certificate. This is a legal document that is very important after you marry or remarry. Hence, once your registration is complete, you should keep track of the marriage certificate.

You’ll need this document almost always, like when you go to a bank or other financial institution, a credit union, or a state agency. To change things about you, like your last name, they will need your marriage certificate. In other words, it gives you the green light for your upcoming wedding, and it does the same thing for your relationship with the government or for any other reason you need.

In a nutshell, a marriage certificate is the backbone of your future would-be official documents. Hence, you can call it a first and foremost document for change name on credit card.

2- Driver’s License and Passport

Driver’s License and Passport

Just in case, you’re still unable to change name on credit card, then one of the safest ways is to use your Driver’s license or passport with the updated name and other info. Take your preferred document to the authorities and as proof of your name, they will surely change name on credit card after they complete the process.

Tips to Keep in Mind After Changing Names on Credit Cards

1- Social Security

There is another important thing that you need to keep in mind is to update your Social Security information. Unlike other things, it is not possible to update it online. The best part is that it is free and easy provided you have all the required documents necessary to fill up the form. You need to furnish the official documents along with the marriage certificate. 

Social Security

As mentioned above, you cannot do it online. You need to either post it through the postal department or mail in the documents.  You should also keep in mind that you need to send in the original documents. The Social Security Website says, they will send all the original documents back to you after the completion of all the official formalities. 

As Social Security is linking documents for other governments, it makes the process easy for changing names on credit cards.

2- Financial Establishments

Financial Establishments

Once you’ve changed your name and personal information, it’s time to tell financial institutions like your bank and credit union. You need to tell them that your name has changed and what it is now. The best way to notify them is to go see them in person with your new driving license and marriage certificate. You need to tell your credit card company that your name has changed. In this way, you change the name on cards of Bank of America, and American Express or change the name on the Discover card.

Frequently Asked Questions (FAQs)

Q1. How can you change your name on credit cards?

There is no shortcut method to change your name on credit. Firstly, if you recently tied the knot, you need to update your name on the marriage certificate. 

Based on your marriage certificate, you need to update your current name and other personal information on social security as well as your driver’s license.

Next, you will apply for a new passport with the correct and original documents. After that, you will notify your bank and financial service providers by visiting them in person.

Q2. How do you change your name on your credit card after marriage?

Once you register for marriage, the marriage bureau enters your legal name on official entries or documents. You should keep a track of your marriage certificate following the conclusion of your marriage. After you get hold of your marriage certificate, you will update the same on Social Security. Post this update, you will now visit the bank to notify them of the change as well as contact your credit card issuer.


These are the step-by-step processes to change name on credit cards. It seems time taking but if you follow each step minutely, you would never face any problems with your financial transactions. 

It is obvious that for one or the other reason, your name might change. Due to this name change, you might of course come across hurdles and hassles in your financial world or financial correspondence. But, there are always course corrections available as we discussed above one by one. 

Hence, if you follow them carefully, you will experience a seamless transaction with banks and credit cards.

Author Profile

Jennifer Garcia
Jennifer Garcia is an expert in the field of credit cards and related services. She has written extensively on a broad range of topics related to credit cards, including different types of offers and benefits, how to compare and choose the best cards for individual needs, and strategies for finding ways to use credit more effectively. She has been an invited speaker at conferences around the world to discuss her research into financial products. Her knowledge of the credit card landscape is unparalleled, with a deep understanding of how each offer or product works in relation to the rest of the industry. Jennifer’s work provides invaluable insight into how to make the most out of any credit product.

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