There can be many reasons why people want to change their name officially. Mostly it is due to marriage or divorce. Changing your name might be a challenging process as you need to update it on all your documents and financial accounts. Whatever the reason is, if you want to change your name on your credit card, you must be aware of all the necessary steps that need to be followed in the process. Moreover, every card issuer can have different procedures and policies for changing their cardholders’ names. Along with knowing all the required steps, you will also need to check with your card issuer’s policies. All this might be confusing for you and to help you out, we are here with this article to make you understand how you can change your name on a credit card. Read on to know more:
Steps To Follow In Order To Change Your Name On a Credit Card
Change Your Name On Government Issued IDs First
In order to get your name changed on your credit card, you will have to provide your card issuer with valid identity proof with your updated name. So, before changing your name on a credit card, it is important to get it changed on a government-issued ID like Aadhar Card, PAN Card, Voters’ Id, Passport, etc. If you are changing your name due to marriage, you can show your marriage certificate to get your name changed on your ID Card. Once you update your name on any of these, you can show it to your card issuer as identity proof.
Understand Your Card Issuer’s Policy For Changing Name
Before taking any further steps, you must be aware of your card issuer’s policies and procedure for changing your name on a credit card. You can do this by contacting your credit card customer care or by visiting your nearest branch and asking the bank officials about the same. Ask them how you can apply for a name change and what are documents that you will need in the process.
Submit The Application Form and Required Documents
After understanding the whole process, fill in the online/offline application form for changing your name on your credit card. Make sure to keep all the required documents ready with you. You may also need your marriage or divorce certificate in order to specify the reason why you want to change your name on a credit card.
Does Changing Your Name On Credit Card Affects Your Credit Score?
Changing your name on a credit card doesn’t affect your credit score by any means, no matter what the reason is. Many individuals think that after getting married, their credit score gets affected by their spouse’s credit accounts and vice versa. But, this is not at all true. Your and your partner’s credit score always remains separate. However, if your spouse is having an add-on credit card under your primary card, their credit card usage details will be mentioned on your credit report and will affect your credit score directly. But, it has nothing to do with changing your name on your credit card. You can proceed further to change your name on your credit card without having any worries about your credit score being affected.
Changing the name on your credit card can be a lengthy and challenging process sometimes and hence you need to be patient. You should try to understand the whole procedure before taking any step so that you don’t face any difficulties in between. Change your name on other documents like your government-issued ID, savings account, etc, before changing it on your credit card. Moreover, you should also be aware of the fact that changing your name on a credit card will have no effect on your credit score. You can do it without any worries. Just make sure that you have all the required documents and a valid reason behind changing your name.
If you have any further doubts regarding this topic, you can write to us in the comment section below!