topic Re: Replacing Discover Card Question in Credit Cards

Replacing Discover Card Question

JamesB95 — Tue, 13 Jan 2015 07:02:46 GMT

My Discover card is starting to get wore down from swiping, it sometimes has to be swiped a few times to be read. I was carious if my credit score or FICO score would be affected at all by receiving a new card on the same account?

Does anything change? Account age due to a new credit card resetting? SP/HP? Is there ANY damages I should be aware of if I order a new one due to it being wore down?

I want to be extra safe as I can NOT afford any more pulls on my history right now.. Or have my history of accounts be reset etc. I am trying to rebuild my FICO and CK score.

Re: Replacing Discover Card Question

Anonymous — Tue, 13 Jan 2015 07:12:36 GMT

I request new cards all the time
they send me the same numbers unless its fraud related
absolutely no impact on credit report

Re: Replacing Discover Card Question

Anonymous — Tue, 13 Jan 2015 07:14:40 GMT

Are you asking about getting just a physical replacement on the It card in your signature? If so, you can just do that on the website and ask to get a new card sent. It'll be the same exact card except on the back bottom left corner, you'll see a different number sequence (e.g. A002 instead of the A001 on your original card). You can request as may cards as you want I think. It shouldn't affect your score at all. It's just having an extra card. You can go to the card management page when you're logged in and freeze whichever cards you aren't using. I have three Discover cards (Spruce, Copper, and Chip & PIN OG) that I switch around just for giggles.

Re: Replacing Discover Card Question

joeyoey — Tue, 13 Jan 2015 07:15:36 GMT

None at all. Just tell them you need a replacement card. There won't be any mention of it anywhere except internally at Discover.

Re: Replacing Discover Card Question

JamesB95 — Tue, 13 Jan 2015 07:17:25 GMT

Good. Thanks everyone. It is something I really needed to double check on.

Re: Replacing Discover Card Question

Anonymous — Tue, 13 Jan 2015 07:19:22 GMT

In fact I think I'm gonna get a new Amex Blue Sky right now just cause I want the chip and my old one is scratched up and not pretty anymore. It's bad for the environment, but good for me.

Re: Replacing Discover Card Question

JamesB95 — Tue, 13 Jan 2015 07:21:10 GMT

@Anonymous wrote:
In fact I think I'm gonna get a new Amex Blue Sky right now just cause I want the chip and my old one is scratched up and not pretty anymore. It's bad for the environment, but good for me.

Lol. Cards are meant to look pretty! It must be replaced!

Re: Replacing Discover Card Question

Anonymous — Tue, 13 Jan 2015 07:29:22 GMT

@JamesB95 wrote:

@Anonymous wrote:

In fact I think I'm gonna get a new Amex Blue Sky right now just cause I want the chip and my old one is scratched up and not pretty anymore. It's bad for the environment, but good for me.

Lol. Cards are meant to look pretty! It must be replaced!

I have to get a Discover because yours looks like an old mix tape I used to have in the 80's with all my rad music on it.

Re: Replacing Discover Card Question

Anonymous — Tue, 13 Jan 2015 07:33:51 GMT

Amex's options for my replacement card are so awesome:

Please select a delivery method for your replacement Card.

US Mail (Expected Delivery: Jan 16) - Free of charge

UPS Next Day (Expected Delivery: Jan 14) - Free of charge

Re: Replacing Discover Card Question

JamesB95 — Tue, 13 Jan 2015 07:35:37 GMT

@Anonymous wrote:
Amex's options for my replacement card are so awesome:

Please select a delivery method for your replacement Card.
US Mail (Expected Delivery: Jan 16) - Free of charge
UPS Next Day (Expected Delivery: Jan 14) - Free of charge

I just called Discover to do it and they expedited it for free for me. She said about 2 days it will be here.

Re: Replacing Discover Card Question

nyancat — Tue, 13 Jan 2015 08:57:14 GMT

Make sure you call so you can ask for a chip card, I believe they're still at the friendly customer trial stage and if you request online you won't get a chip card.

Re: Replacing Discover Card Question

Anonymous — Tue, 13 Jan 2015 10:33:37 GMT

@JamesB95 wrote:
My Discover card is starting to get wore down from swiping, it sometimes has to be swiped a few times to be read. I was carious if my credit score or FICO score would be affected at all by receiving a new card on the same account?

Does anything change? Account age due to a new credit card resetting? SP/HP? Is there ANY damages I should be aware of if I order a new one due to it being wore down?

I want to be extra safe as I can NOT afford any more pulls on my history right now.. Or have my history of accounts be reset etc. I am trying to rebuild my FICO and CK score.

Discover is great on sending replacement credit cards. The Sequence Number located in the lower right corner will change. You can view all Discover credit cards issued on your account by sequence number under managing your Discover account.