How To Use Credit Card Without Zip Code

By Bruce Boswell •  Updated: 12/02/21 •  6 min read
Filed under: Credit Cards

If you try to make a purchase with your credit card, you will likely be requested to enter your credit card’s zip code, and if you do not know what this is, then you will probably be a bit confused. 

If you are new to the United States, you will probably have no idea what we are on about, so we will explain this to you, as well as if you can use a credit card without a zip code. 

How To Use Credit Card Without Zip Code

But first you will need to know what a credit card zip code is, before we can tell you if you can use a credit card without one. 

A credit card zip code is the same thing as a credit card postal code. So, let’s delve in, shall we?

What Exactly Is A Credit Card Zip Code? 

Let’s start off by looking at what a credit card zip code actually is. This is the mailing address or billing address of an individual. This means the home or office address of whoever owns the credit card.

You cannot find a zip code on a credit card, as a zip code or postal code is secured and not exposed. You will find this on your bank account statement, or if you use a mobile app to do your banking, then it will be on your mobile app, depending on your bank. 

If you ask what a zip code is on a credit card then this is technically wrong, because there is no zip code on a credit card, it just applies to the credit card. You can have a zip code for a credit card but not on one. 

They are essential to make a purchase online, and you cannot make an online purchase with a credit card if you do not have a zip code. This is simply in place to avoid theft or fraudulent actions, and in order to secure the credit card.

So, if someone happens to steal the credit card, it becomes totally useless if they do not have the zip code. 

Then again, a majority of online websites will have a requirement for you to enter a credit card postal/ zip code before your purchase. 

Can You Use A Credit Card Without A Zip Code? 

We are sorry to say, you cannot use a credit card without a zip code. It just will never be possible. This is simply not possible and will never happen, including should you find a hacked credit card number with a CVV and zip code.

If you are trying to commit credit card fraud and are trying to figure out how you can use that credit card without the zip code, sorry, it is not possible, so… tough luck there. 

You have to have the zip code to use a credit card, and without it, you cannot use it. 

What Should You Do If You Forgot Your Zip Code? 

Of course, you do not need to be fraudulent to be pondering if you can use a credit card without the zip code, you may simply have forgotten your zip code and are trying to make an urgent purchase. 

If you have forgotten your zip code, it is going to look bad. It will look a little bit like you are a credit card thief, and it may seem a bit dodgy, however, it’s not unheard of.

And so, if you truly cannot remember your credit card zip code, then all you need to do is quickly contact your card company customer service and request the zip code. 

Of course, it will not be a walk in the park, it will be difficult because they will ask you some security questions related to your card, just to ensure that you are the credit card owner and didn’t steal the card.

While this might feel a little bit much, just remember, these processes are in place to protect you. 

Once the company has verified that you are, well… you, they will give you the zip code. However, you should remember that the zip code is usually your home or office address, and is usually your billing address.

All you really need to do is get the zip code of your home address, and you are good to go. 

If you moved to a new location, simply update your billing address, and do so immediately as it is very important and is a need to do.

Where Is The Zip Code On A Credit Card? 

Remember that zip codes are not actually written on the credit card itself, nor are they written on debit cards either. Rather, it is just the billing address that a person uses when they apply for the credit card. So, if you have been using a credit or debit card, this should not really be a question. 

Zip codes are simply not written on the credit cards, they are on billing statements, and they belong as part of the address of the person whose credit card it is.

If the credit card is yours, you should know the billing address you entered while applying for the credit card, you should be living, or working at that address, your mail should go there. 

How Can You Find The Zip Code For A Credit Card?

In order to find the zip code, you just need to check the billing address zip code, your bank statements, or any other financial documents in relation to the card.

You needn’t bother yourself trying to find the zip code for the credit card as long as you know your billing address, which is typically your home or office address. 

Asking how to find a zip code for a credit card will always look suspicious, as it will look like you are not the owner of the credit card. 

Of course, we understand that there are people out there who may have multiple homes and who may not remember which of their multiple homes their card is registered to, just check your statements instead to find this out. 

Bruce BoswellBruce Boswell

Bruce Boswell

Bruce Boswell enjoys researching and writing about all things related to investing and saving money. Whenever he has a chance, Bruce loves travelling all around the world with his wife and trying new foods.