@AverageJoesCredit wrote:
Ok , just got off the phone with Disco, apparently somewhere i used it , cant say where, msy have reported a data breach and Disco proactively closed that account and are issuing a new one. I couldnt freeze that account online even though it will temail closed, she froze it for me anyway. I had a zero balance and just used it a week ago for$25 so dont know if it was there or somewhere else.
Really appreciate Disco doing that so fast . Abcd2199, not sure about that but ill check again. Sorry guys just wanted to give a heads up to my fellow Discoers in case was a Equihack.
That likely explains why the same thing happened to ABCD. He probably charged at the same merchant.
Capital One did the same thing with me a few years ago when Target was hacked and I had used my card there. A year or so later they changed out my card again for the same reason. They didn't specify the merchant, but I think it was Home Depot. They didn't fully shut down my cards, though. They sent out replacement cards with new account numbers, and I had something like 21 days to activate them before the current card would stop working.
In two more recent cases — where I had actual fraudulent charges on my accounts, the cards were shut down immediately. I would have been able to make payments, and merchants would have been able to issue refunds. But my ability to use the card to spend was severely limited until I had the new card in hand. I was able to access my new card number in their Wallet app and use it for "card not present" transactions. But I didn't have full use of the account until I had the replacement card in hand.
The biggest hassle was updating about 18 recurring payments. Make sure you check for that. With the new card number, they're unlikely to work until you update them. In a couple of cases, I had payments that were coming up soon, and I paid them manually with another card.
I received a surprise replacement debit card today from my CU.
The letter, that came in a seperate envelope, indicated it was because I had used it in a place that had had a "data breach".
I was on the phone with them asking why I'd received a new card when the rep said, you should have received a letter telling you about it... oh yeah, that other envelope I've not yet opened. <sheep>
AJC, I got the same message as well brother... I'm thinking it's because Discover is so heavily connected to EQ. Iirc, that's the bureau that they pull for all their approvals as a default, right? I'm so stark raving mad about this I'm about to scream. But at least I have you lunatics to keep me company 
Just great.
Anyone going to continue using their Disco in the meantime.? I told the csr freeze my old account just in case. I got other cards i can use in the week or 2 it may take to get the new card