Lowe's card problematic if lost

[Anonymous]

Had to call Care Credit because I didn't receive 2 cards that were sent to me. They canceled the cards and sent new ones with new numbers. All my previous information was still there. Can't say how it might've affected my reports because the darn this hasn't been reported yet. Funnily enough, I received one of the missing original cards after I received the new ones

[olehammer]

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@CreditDunce wrote:

If they are reporting the original open date, loosing your card could help your AAoA if the card is older than your AAoA.   Even if your AAoA is over 15 years, 4 closed and one open 15 year old TLs will not hurt.

It isn't so nice for someone with a brand new account.

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I can attest to the AAoA impact.  I got one of my first rebuilders with SDFCU (Secured card).  The first card never showed up and the second card got an international charge on in within the first 30 days - I had only used the card a couple of times!   

All three trade lines report with the same open date.  I've manually calculated my AAoA including the closed cards and compared to what CCT reports.  They definitely are impacting my AAoA negatively and I've written multiple letters to SDFCU arguing against their reporting (to no avail!).    I can't wait to close my account with these idiots.

I would be willing to bet a cancelled/reissued card also would impact the Chase 5/24 rule for new tradelines.