You can change the cardholder name on a Chase credit card by calling Chase customer service, visiting a Chase branch, or using the Chase mobile app — the method depends on what kind of name change you need and whether the card is in your sole name or a joint account.

Chase handles name changes differently depending on your situation. If you've had a legal name change (marriage, divorce, court order), you'll need to provide documentation. If you're correcting a misspelling or nickname on an existing card, the process is faster. For joint accounts, both cardholders may need to be involved. The fastest route for most people is a phone call to the number on the back of your card.

Key Takeaways

  • Call the customer service number on the back of your Chase card to request a name change; most changes process within 7 to 10 business days.
  • Legal name changes require a copy of your marriage certificate, divorce decree, or court order — Chase will tell you which document they need when you call.
  • If you're correcting a misspelling or nickname, you typically don't need documentation, just a verbal request.
  • A name change on your card does not affect your credit report or account number; your credit history stays attached to your Social Security number.
  • Joint account holders may both need to consent to a name change, depending on whose name is being changed.

Changing Your Name by Phone

Call the customer service number printed on the back of your Chase card. Have your card, Social Security number, and date of birth ready. Tell the representative you want to change the name on your account and explain whether it's a legal name change, a correction, or a nickname adjustment.

If it's a legal name change, the representative will ask what type of documentation you have and may request you mail or fax a copy. Chase typically accepts a certified copy of a marriage certificate, divorce decree, or court order. Some branches may also accept a state ID or driver's license showing your new legal name. Ask the representative which document they prefer and whether they can accept it by mail, fax, or in person at a branch.

The representative will confirm your new name, verify your contact information, and tell you when to expect your replacement card. You'll receive a new physical card in the mail with the updated name, usually within 7 to 10 business days. Your account number and credit history do not change.

Changing Your Name at a Chase Branch

Visit a Chase branch in person with your ID and any required documentation. Bring your current Chase card and a government-issued ID showing your new legal name. If you're making a legal name change, bring the original or certified copy of your marriage certificate, divorce decree, or court order.

A branch representative can process the name change on the spot and order your replacement card. This method is useful if you want to handle the change face-to-face or if you're uncomfortable mailing documents. The replacement card will still arrive by mail within 7 to 10 business days.

Using the Chase Mobile App

Open the Chase mobile app and navigate to your account settings or profile section. Look for an option to update your personal information or account details. Some Chase accounts allow you to request a name change directly through the app, though the app may only work for straightforward corrections rather than legal name changes.

If the app doesn't offer a name change option or if you're making a legal name change, you'll need to call or visit a branch instead. The app is most useful for checking whether a name change has been processed after you've already requested it by phone or in person.

What Documentation You'll Need for a Legal Name Change

Chase requires proof of a legal name change before updating your card. The most common documents are a certified copy of your marriage certificate (if you changed your name due to marriage), a certified copy of your divorce decree (if you changed your name back after divorce), or a court order from a name change petition.

You do not need to provide all three — only the one that applies to your situation. A certified copy means an official copy issued by the court, county clerk, or vital records office, not a photocopy you made yourself. Some Chase branches will accept a state ID or driver's license showing your new legal name in place of the original document, so ask when you call.

If you're correcting a misspelling (for example, your card says "Micheal" but your legal name is "Michael"), you typically don't need documentation — just tell the representative it's a correction.

How a Name Change Affects Your Credit and Account

Changing the name on your Chase card does not change your account number, credit history, or credit score. Your credit report is tied to your Social Security number, not your name. When you change your name, Chase updates their records, but the three credit bureaus (Equifax, Experian, and TransUnion) will still recognize the account as yours because of your Social Security number.

You should also update your name with the credit bureaus separately if you want your credit report to reflect your new legal name. You can do this by contacting each bureau directly or by disputing the name on your credit report. This step is not required for your Chase account to work, but it helps keep your credit file consistent across all lenders.

Name Changes on Joint Accounts

If your Chase card is a joint account, both cardholders may need to consent to a name change. If you're changing only your own name (for example, after marriage), call Chase and ask whether the other cardholder needs to approve the change. Some accounts allow one cardholder to change their name without the other's permission; others require both to agree.

If both names are on the card and you want to change both, you may need to provide documentation for both cardholders. If you want to remove one name and keep only yours, that's a different request — you may need to close the joint account and open a new individual account, or Chase may allow you to convert the account to a single-name account. Call to ask what options are available for your specific situation.

Frequently Asked Questions

How long does it take to receive a new card after a name change?

Chase typically mails your replacement card within 7 to 10 business days of processing your request. You can use your account online or by phone during this time; you only need the physical card if you want to make in-person purchases or withdrawals at an ATM.

Do I need to update my name with my bank if I change it on my credit card?

If your Chase card is linked to a Chase checking or savings account, you should update your name on those accounts too. Call Chase or visit a branch to update all accounts at once. Your credit card and bank accounts are separate, so changing one does not automatically change the other.

What if I made a legal name change but don't have the original document?

Contact the court, county clerk, or vital records office that issued your name change to request a certified copy. This usually costs $10 to $30 and takes 1 to 2 weeks. Some Chase branches may accept a state ID or driver's license showing your new name instead — call ahead to ask what they'll accept.

Can I change my name on a Chase card if I'm an authorized user?

Authorized users typically cannot change their own name on the card. The primary cardholder must request the change. If you're an authorized user and your name has changed, contact the primary cardholder and ask them to call Chase on your behalf.

Will changing my name affect my credit score or credit history?

No. Your credit history is tied to your Social Security number, not your name. Changing the name on your card will not affect your credit score or the accounts that appear on your credit report. However, you should update your name with the credit bureaus separately if you want your credit report to show your new legal name.