I’ve ordered a replacement card, do I need to do anything when it arrives? (2024)

FAQs

I’ve ordered a replacement card, do I need to do anything when it arrives? ›

You don't need to activate your new debit card when you receive it – it'll be ready to use straightaway. If you want to make a contactless payment, you'll need to do a chip-and-PIN transaction first.

Yes, activating your debit card as soon as you receive it in the mail is a necessary step for you to use your card, and an important step to help protect yourself from fraud.

You will need to activate your replacement card once you receive it and update any merchants taking regular payments from your card, with your new card details - since the card number will have changed.

If you get a replacement card, you'll need to update your recurring payments with your new card number. You'll receive a new card number when you request a replacement card. So automatic bill payments with your old card number will be declined unless you update your payment information.

Some institutions will charge a fee to replace your card, even if it was stolen. Your new card should arrive within a week, although you can request a rush order to shorten your wait time which usually comes with an additional fee but arrives within 2 – 3 days.

When you activate your new card, your existing card is automatically deactivated, so you should destroy it by cutting it up or shredding it to protect yourself against fraud.

To activate a credit card, call the number on the back of the card or go to the website listed on the activation sticker attached to your card. Credit card activation typically requires the credit card number, the security code (CVV), or both.

When you change your card you'll get a new card number. You'll need to give your new card details to companies who you've authorised to take regular payments from your account. If you have card details saved with online merchants you'll need to update them.

Will a replacement debit card have the same number? If your old card expired, and you are issuing a new one, the number will stay the same. However, key information on the card, such as the expiration date and CVV, will change. By updating these two aspects, it ensures extra security for the user.

The number on your debit card isn't the same as the account number. TLDR: When you get a replacement debit card, the number on the card will be different from the old one to ensure the security and protection of your account. No, every time a card is issued it's 16 digit number will be different.

Do you get a new PIN with a replacement credit card? ›

If you are getting a new card for a lost or stolen card, you will receive a new card with a new card number (PAN) and a new PIN. If you are getting a new card because the old card has expired or the card doesn't work any more, you will receive a new card with the same card number and the same PIN.

How long does it take to receive a replacement credit card? A replacement card—which you'd get if your original has been lost or stolen—typically arrives within 7 days. Most credit card issuers offer expedited shipping for replacement cards—just ask.

Does a lost credit card affect your credit score? Replacing a credit card won't affect your credit score. Even if you get a new card with a new 16-digit number, the card account and the age of that account remain the same for the purpose of credit reporting. Replacing a credit card doesn't zero out what you owe.

Once your old card is canceled, it can't be used anymore.

Even if you find it later, your bank won't be able to reactivate it. If you think you might have misplaced your card, you may want to see if you can lock it. If you find it, you can then just unlock it instead of waiting for a new card to arrive.

The new card we send you will have a different number. So if you've registered your old card's details anywhere – eg, with online shops or for regular payments, such as a gym membership, you'll need to update the details. If you still have your old debit card, please destroy it when the new one arrives.

Getting a new debit card will not affect your recurring payments if you're using your bank's online bill pay. If you're using the biller's online payment system, however, it will affect your recurring payments. You'll have to update your debit card information so that the transaction can be processed.

You don't need to activate your new debit card when you receive it – it'll be ready to use straightaway. If you want to make a contactless payment, you'll need to do a chip-and-PIN transaction first.

Activating your card is easier than ever. You can activate it by: Logging into digital banking. Calling 800-236-3838 to use our automated phone system.

Call customer service: You can call the phone number on the back of your credit card to reach customer service. You'll be able to check the status of your card and, if it is deactivated, you can ask about reactivation. Make a purchase: Another way to check if a card is active is to try and use it to make a purchase.

If your card — or your card data — is ever lost, stolen or compromised, you'll probably get a new card with a new number on it. That keeps the old card number from being used fraudulently. However, a new card number is not the same as a new card account, so the new number in itself shouldn't affect your credit score.