You can change the name on a Chase credit card by calling Chase directly, updating it online through your account, or visiting a branch in person
Chase allows you to change the cardholder name on an existing account through three main routes: a phone call to the number on the back of your card, the Chase mobile app or website, or an in-person visit to a Chase branch. The process itself is straightforward, but the reason you're making the change matters — Chase handles legal name changes differently from other updates like correcting a spelling error or adding a nickname.
Most name changes process within one to five business days. Chase will issue a new card with the updated name, and your account number and benefits stay the same. You'll receive the replacement card by mail at the address on file.
Key Takeaways
- Call the number on the back of your card, log into your Chase account online, or visit a branch to request a name change.
- For a legal name change, Chase will ask for a government-issued ID or court order showing your new name.
- A replacement card with your new name arrives by mail within one to five business days; your account number and credit line do not change.
- If you're changing the name on a joint account, both cardholders may need to consent to the change.
Changing your name by phone
Call the customer service number on the back of your Chase card. Have your card and a government-issued ID ready. Tell the representative you want to update the name on your account and explain whether it's a legal name change, a correction, or a preference update.
For a legal name change — such as after marriage, divorce, or a court-ordered change — Chase will ask you to mail or upload a copy of your new ID, marriage certificate, divorce decree, or court order. Some branches accept these documents in person, which can speed up the process. For straightforward corrections or nickname additions, the representative may complete the change on the call.
After the change is confirmed, ask for a reference number and when to expect your new card. The representative will also confirm the mailing address where your replacement card will arrive.
Updating your name online or in the app
Log into your Chase account at chase.com or open the Chase mobile app. Go to the account settings or profile section — the exact location varies slightly between the website and app, but both have a "Profile" or "Account Settings" menu. Look for an option to edit account information or cardholder details.
For a straightforward name correction or nickname, you may be able to complete the change when ready online. For a legal name change, Chase will likely prompt you to upload a photo of your ID or supporting document. Follow the on-screen instructions to submit your proof. If the system does not allow you to upload documents, you'll need to call or visit a branch instead.
Changing your name in person at a Chase branch
Visit any Chase branch with your current card and a government-issued ID. Tell a banker you want to update the name on your account. Bring any supporting documents if it's a legal name change — a marriage certificate, divorce decree, or court order.
The banker can usually process the change on the spot and order a replacement card. You'll receive the new card by mail within one to five business days. This route is fastest if you have documents to submit, because the banker can scan them when ready rather than waiting for you to mail them in.
What happens to your account and benefits
Your account number, credit line, and rewards balance do not change when you update your name. Any pending rewards, cash back, or points remain in your account. Your credit history stays attached to the same account, so the name change does not affect your credit score or credit report.
If you have automatic payments set up, they will continue to process normally. You do not need to update billers or service providers unless they have your name on file for verification purposes — most do not. Your old card will stop working once the new one arrives, so destroy it or cut it up.
Name changes on joint accounts
If the card is a joint account with another cardholder, Chase may require both of you to consent to a name change. Call Chase to ask whether both signatures are needed. If they are, the other cardholder may need to call separately or sign a form that Chase mails to you.
Some joint accounts allow one cardholder to change only their own name on the account without affecting the other cardholder's name. Ask the representative whether that option is available for your account.
If your name change is taking longer than expected
If more than five business days have passed and you haven't received your new card, call the number on the back of your current card and ask for a status update. Provide the reference number you received when you requested the change. The representative can tell you whether the card is in the mail, whether Chase is waiting for additional documents, or whether there's a delay.
If Chase is waiting for documents, ask what they need and the fastest way to submit them. Uploading through the app or website is usually faster than mailing. If the card is truly lost in the mail, Chase can reorder it or, in some cases, expedite a replacement.
Frequently Asked Questions
Do I need to update my name with the credit bureaus?
No. Chase reports your account to the credit bureaus under your Social Security number, not your name. The name change on your card does not require you to contact Equifax, Experian, or TransUnion. Your credit report will reflect the name change automatically when Chase reports it, which usually happens within one or two billing cycles.
What if I want to use a nickname or middle name instead of my legal name?
Chase allows you to use a nickname or middle name on your card if you request it, though the account itself must be registered under your legal name for verification and fraud prevention. Call or visit a branch to ask whether they can print a nickname on your replacement card. Some representatives will do this; others will not. There's no harm in asking.
Can I change my name if I'm an authorized user on someone else's account?
Yes, but only the primary cardholder can request the change. If you're an authorized user and your name has changed, ask the primary cardholder to call Chase and request a new card for you with your updated name. Your card will be reissued, but the account itself remains under the primary cardholder's name.
Will changing my name affect my credit score?
No. A name change on your card does not affect your credit score or credit history. Your account remains tied to your Social Security number, and all your payment history, credit utilization, and account age stay the same. The credit bureaus will update your name on file automatically.
How long does it take to receive my new card after a name change?
Most replacement cards arrive within one to five business days. If you're mailing documents to Chase, add three to five business days for processing before the card is ordered. If you submit documents in person at a branch or through the app, the card is usually ordered the same day, and you'll receive it faster.