If this situation happens, does your account age start over or does it stay at the pre fraud opening date?
Sorry to hear of the fraud, @Anonymous, but glad to see Discover was on top of it.
Unfortunately over the years I've had fraud on many cards. I've been very impressed with my lenders who are proactive and detect it quickly, often before I even see it. And also impressed with lenders who make the process very easy. Discover, Capital One, Chase, and Navy Federal are all in that group as top-notch at fraud. Oddly enough, I've had cards that were subject to fraud that were either never (or rarely) swiped, were in my possession, and were never (or rarely) used on the internet for purchases. One was a PenFed debit card, and I never make debit purchases. Still don't understand how that happens!!! 
My last instance with fraud was just a month ago on my NFCU Platinum card. I've only swiped that card a few times in two and half years (and none recently) but Navy contacted me about a $50.68 online charge. (They had already denied additional ones from the same website.) I called them back and they immediately reversed the charges after verifying with me, and reissued a new card. I was very pleased with how they handled the experience.
One of my lenders who least impresses me with fraud is my UMB bank (AFBA affiliate.) I've had fraud at least twice on that one over the years and I don't believe they've ever proactively detected it. The last one was in April 2021 for a $57.38 food delivery charge in London, and I had not traveled to Europe in many years! While they did reverse the charges, they did not detect it internally. And they sent out a snail-mail statement to return to them regarding the incident. That's probably the only time I've been asked to fill out forms.
I also had fraud on a Health Savings Account Debit card which I had in my possession, had never used it, had never even activated it, and for charges halfway across the country! Those charges never got reversed even after hours on the phone with my employer, the outsourced vender, and the medical office. I cancelled the card, closed my HSA, and elected to forgo my potential tax savings on medical bills because of the hassle.
Electronic fraud is so prevalent and a true financial concern these days, unfortunately. Signs of the times.
@AndySoCal wrote:@Zoostation1 It is the original date (pre fraud) that account was opened.
+1 This is correct, @Zoostation1. The cards are reissued with different account numbers, expiration dates, and security codes but they continue to show original account age on your credit reports.
By the way, @Anonymous, when I saw your title
"Discover Card Hack" I thought you
were going to give us some special trick
for using your Discover card! LMAO ...
+1, totally thought the same thing. This is why I NEVER use debit cards for anything. I've got family members who look at me like I'm nuts. I've had fraud happen with both debit and credit and the difference is night and day. The banks are heat-seeking missles on credit card fraud, but debit? They're like Snuffleupagus.
