What is a Billing ZIP Code?
Normally, when you applied for a credit card, you may need to fill in a statement, it requires to write the billing address and billing zip code. This is the first use of “Billing ZIP Code”. It may also be used by Healthcare providers to preserve your privacy and identification. Most credit card firms use the zip code of where your credit card bills are sent, as your billing zip code. Means billing zip code is your official banking ZIP Code of your official address. Please note that the monthly bill is usually sent to you by mail, so the billing address must be filled in mailing address, not physical address.
When the Billing ZIP Code will be used? Why we use it?
For example, your home address might be 12435 Peach Street Anytown, Oh 44100, but have your credit card statements go to a P.O. Box with a different (44101) zip code. They use the billing zip code as a verification tool to stop unauthorized users from charging items on your card if it were lost or stolen, especially when you pay at the gas pumps, it requires you to input your billing zip code for “Credit” purchases for security reasons. Some bill collectors and online retailers also need a billing zip code to pay bills or make purchases. If you put the wrong billing zip code, your online order will be canceled. However, in most cases, you’ll be alerted to the discrepancy right away — sometimes before you even place the order. So this is just a way of method to protect your property to avoid fraud.
How to find the Billing ZIP Code for your credit card/debit card?
As for how to find a billing zip code for your card, you must remember the official address you fill in when you applied for this card, the corresponding zip code is the billing zip code, if you forgot the billing address, you can check the billing statement, or you can contact the credit card provider to help you get the information. If you moved to another places, you'd better change the address and billing zip code in the bank. If you are not the owner of the credit card, you will not be able to know the billing zip code by any mean, so do not try to use a credit card that does not belong to you. That is illegal.