01-02-2014 11:58 PM
Just logged into online banking and my card disappeared. Called in and the system said it was closed. Spoke to a rep, and she also said Visa reported to them that a merchant I shopped at experienced a security breach. She could not tell me where it was. She said they would be issuing a new card. I then asked if they could expedite it. She tried to do it and then said I would need to call again in the morning to speak to their "Credit Team." That may mean fraud or an analyst. My utilization has been a steady 5-10% over the past few months. I think I may have shopped at Target during the breach period. I am not sure what this is about. The last time they softed me was in early December. I hope my account is not permenantly closed.
01-03-2014 12:15 AM
You should be fine. There will be a record on their end of your account, and it doesn't look like you've done anything to put yourself in an unsatisfactory relationship with BofA. Just follow up with them.
01-03-2014 12:24 AM
I was in these shoes, yes, your account is permanently closed. What they do is they create a new account with all your information copied to it, then delete the old one from your credit reports. It doesn't hurt you. It is a PAIN in the backside for the two weeks you're without a card, especially since they didn't notify me first!
01-03-2014 12:44 AM
01-03-2014 10:10 AM
01-03-2014 10:35 AM
Experian has already updated with the new account number and a mid-cycle balance of $600.
01-03-2014 10:09 PM
Just curious to know, how this would be updated in your Credit Bureaus.
Please update us, once your new card reports.
It's just an automatic update from the lender with the new card # that basically replaces the old one, same history and information though.
01-09-2014 04:32 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.