Cap One card holders: Have you reported your card lost or stolen?

[Datx]

Does anyone know if you report your card lost or stolen with Cap One, do they issue you a new card number and add a new tradeline to your CRs? I can't seem to find my Cap One card and it has been awhile. I monitor the balance on that card (zero balance) every few days to make sure its not being used but I am hesitant to report it lost because I don't want a new TL to be reported on my CRs. I know it has to be at home somewhere, I just havent found it yet.

[longtimelurker]

I've done it at least twice over the years with Cap One.  As with probably every issuer, you do not get a new trade line, you get a new card number, but it is associated to your old *account* so you keep date of opening and all history.

Not totally sure if this applies here (it was this way in the UK) but NOT reporting a card as lost or stolen within a reasonable amount of time removed some of the liability protections, i.e. you are meant to act in good faith and inform them when you think the card has been lost.

[djc1puno]

just to be on the safe side, i would get a new card...and like longtimelurker mentioned, you keep your TL and history.

[Datx]

Thanks guys. Im actually on a chat session with a rep from Cap One right now and is also saying the new account number will not show up as a new account or TL. Should have done this sooner,

[azguy13]

Wouldn't that be something if they put it as "closed at creditor's request", lol. No you will be fine as the CSR told you. Sadly, it's a question that needs to be asked though due to all kinds of craziness with lenders. 

You should tell them to up your CL or not to bother sending you a new card.