Having a credit card registered at a different address to my home address

stoopyftm

Bit of a weird question I suppose but I still have a credit card registered at my Mams address even though I moved out years ago!

I was going to change it to my address but are there any implications pros and cons in doing so like will it affect credit scores or anything  - its doing no harm and my mams going nowhere except in a box but hopefully not for a while yet. 

Or am I breaking the law or something fraudulent !!!!!

Cheers

DullGreyGuy

You arent breaking the law, you may be breaching the terms of your credit card but you'd need to read the T&Cs to see if you must provide them your home address or if you must provide them with an address you can be contacted at. 

Your credit file at the moment will show you living at two addresses because each credit provider reports what they hold as your current address. Clearly, or maybe hopefully, you are only registered to vote at one address and so prospective lenders may wonder why what the second address is about or they may decide its good as they now have two addresses they can send the bailiffs to if you default. 

MEM62

Pros:  Your creditors will know where to reach you and you will therefore not miss any important communication.  You will remain within the terms and conditions that you agreed to. 
Cons:  None
FYI You do not have a credit score. 

stoopyftm

Hi thanks for the replies I've had no problems getting contacted as the letters go to my mams and she passes them on but its all done via the web now anyway. I've been like this for 25 years and had no problems but I think I'll register to my new address now its about time!!!

@MEM62 I meant my credit score at my current address persona it wouldnt affect that would it by suddenly adding another card. Its got a 20k limit and roughly £100 on it currently. 

TheSpectator

stoopyftm said:

Hi thanks for the replies I've had no problems getting contacted as the letters go to my mams and she passes them on but its all done via the web now anyway. I've been like this for 25 years and had no problems but I think I'll register to my new address now its about time!!!

@MEM62 I meant my credit score at my current address persona it wouldnt affect that would it by suddenly adding another card. Its got a 20k limit and roughly £100 on it currently. 

Are you saying the card at your mums is not showing on your credit file? Your addresses should be linked on your file.

MEM62

stoopyftm said:

@MEM62 I meant my credit score at my current address persona it wouldnt affect that would it by suddenly adding another card. Its got a 20k limit and roughly £100 on it currently. 

The point I was making is that you do not have a credit score - at any address. They do not exist outside of the CRA's that try to convince you that it has meaning.  

surreysaver

If your credit card account is that old, it's quite possible it predates CRAs, so therefore doesn't report to them.
This may be why it hasn't caused a problem. Whether it might cause a problem in future, might depend upon whether you open any other accounts with that organisation.

CliveOfIndia

stoopyftm said:

@MEM62 I meant my credit score at my current address persona it wouldnt affect that would it by suddenly adding another card. Its got a 20k limit and roughly £100 on it currently. 

Your credit score is irrelevant.

Your credit file is linked to you, not an address (hence why the old idea of a "blacklisted" address is nonsense).

Overall it'll probably make things simpler to let them know your new address - apart from anything else, it'll remove any possibility of other lenders wondering why you've got two addresses.  Not that there's anything wrong with that, as such, but why rock the boat?

And it's "neater", from a lender's point of view, if the address they hold for you is the same one shown on the ER.  Again, it shouldn't really be an issue in most cases, but overall there's no reason not to have everything registered correctly, it'll just make life simpler in the long run.

stoopyftm

TheSpectator said:

stoopyftm said:

Hi thanks for the replies I've had no problems getting contacted as the letters go to my mams and she passes them on but its all done via the web now anyway. I've been like this for 25 years and had no problems but I think I'll register to my new address now its about time!!!

@MEM62 I meant my credit score at my current address persona it wouldnt affect that would it by suddenly adding another card. Its got a 20k limit and roughly £100 on it currently. 

Are you saying the card at your mums is not showing on your credit file? Your addresses should be linked on your file.

Yep, on my credit report it says I have one credit card which is correct, for my home address. It even says I should consider building my limit above 15k whereas my other card has a limit of 20k so it is definitely not recognising it. 

Nasqueron

stoopyftm said:

TheSpectator said:

stoopyftm said:

Hi thanks for the replies I've had no problems getting contacted as the letters go to my mams and she passes them on but its all done via the web now anyway. I've been like this for 25 years and had no problems but I think I'll register to my new address now its about time!!!

@MEM62 I meant my credit score at my current address persona it wouldnt affect that would it by suddenly adding another card. Its got a 20k limit and roughly £100 on it currently. 

Are you saying the card at your mums is not showing on your credit file? Your addresses should be linked on your file.

Yep, on my credit report it says I have one credit card which is correct, for my home address. It even says I should consider building my limit above 15k whereas my other card has a limit of 20k so it is definitely not recognising it. 

Not all lenders report to all agencies, some old cards are not reported for various reasons. Ignore the advice about credit limits, that's just for the silly score