topic Re: Did your 3 digit pin change with a new replacement card? in Credit Cards

Did your 3 digit pin change with a new replacement card?

Anonymous — Wed, 30 Aug 2017 21:43:10 GMT

I missplaced my Discover card... I have no idea where it is, but I'm 99% sure it's around my house somewhere. I froze my account so I'm not worried about it being used. I'm not sure if I should request a replacement card or report the card lost or stolen.

I really don't want to report it lost or stolen because it'll affect my credit age. My oldest account is 19yrs old and closed so there's no telling when it will fall off my reports. My Discover card is just under 2yrs old and is my oldest most recent account.

Have you ever had to replace a damaged card? Did the 3 digit code on the back of your card change with the new card?

Re: Did your 3 digit pin change with a new replacement card?

K-in-Boston — Wed, 30 Aug 2017 22:36:39 GMT

I am not sure if the expiration date and CID change if you ask for a replacement card with Discover. If you report it lost/stolen, it should report that way on your reports and then you would have a 2nd entry for the open account that is dated to the same opening date with all of the same payment history. YMMV of course.

Re: Did your 3 digit pin change with a new replacement card?

Anonymous — Wed, 30 Aug 2017 22:55:39 GMT

The 3 digit (or 4 for Amex) code is calculated using the account number, the expiration date, and an issuer specific value. So it will change if you get a card with a new expiration date (e.g. when the card is renewed)

Re: Did your 3 digit pin change with a new replacement card?

UpperNwGuy — Wed, 30 Aug 2017 23:04:01 GMT

The 16 digit card number may also change!

Re: Did your 3 digit pin change with a new replacement card?

HeavenOhio — Wed, 30 Aug 2017 23:11:16 GMT

Nothing should change in terms of your report. It should be the same account with the same history. The card number and verification number will change for sure, and the expiration date will likely be updated too.

The biggest hassle will be if you have to update recurring payments.

Re: Did your 3 digit pin change with a new replacement card?

K-in-Boston — Wed, 30 Aug 2017 23:33:09 GMT

The card number itself would not change if a replacement card were requested, but would if it were reported lost or stolen. As for the reports, I have had Synchrony, Capital One and Chase over the years report the card as Closed-Lost/Stolen and then place a duplicate account on my reports with a different account number. (I've had to replace my Amex Gold a few times due to fraud over the years. New account number on card, but no change on reports.) As I said earlier, YMMV.

Re: Did your 3 digit pin change with a new replacement card?

Anonymous — Thu, 31 Aug 2017 00:45:59 GMT

They should transfer all the history with the number. That said, my Ex showed TWO Disco accounts for a while. The new one showed all the history, but the old number still showed as an open account, though no more green check boxes were showing up. Fortunately I only had to call Disco once and they SP'd, updated them, and it was fixed.

Re: Did your 3 digit pin change with a new replacement card?

Anonymous — Thu, 31 Aug 2017 01:57:12 GMT

I found it! I forgot that I put it in my safe LOL. Thanks for all of your replies!

Re: Did your 3 digit pin change with a new replacement card?

Anonymous — Thu, 31 Aug 2017 08:46:53 GMT

A new number/card won’t change your history or the way it reports. I had fraud on my disco card and they gave me a new number and nothing is different.

Re: Did your 3 digit pin change with a new replacement card?

Anonymous — Fri, 01 Sep 2017 07:58:17 GMT

+1
A new # wouldn't change the age of one's ACCOUNT?

What do you think happens when the CCC issues a new card at expiration.... Understanding that when used the card # + the expiration date (& for some transactions the security code) are actually combined as an identifier for said CC

So if the expiration date changes and ppl don't freak, why would this fear exist if the card # of the account changed.....

Ive had several NEW CC #'s sent to me on existing accounts over the years, some requested by me sometimes because for example the company sent out cards with chips or whatever....

Card # and account are separate issues...if you want a new debit card it doesn't restart your checking account or change your checking account #, you just get a new debit card... Same thing here not that big a deal

A person who opened a CC in 1990 does NOT need to keep the EXACT same card # to maintain the AGE of the account, and nobody should FEAR getting a new # vs knowing the ex bf may have the 'old' number or the old video store in the City one used to live still may have it on file being AFRAID ones credit will suffer by requesting a new # NOT