a 4 point drop

[Abby4]

Recently Care Credit card was reported stolen/did not receive, they closed the account $4000 credit line, so I reapplied and they issued me a new card with $5500 credit limit..........score goes down 4 points? why

[FicoMike0]

Two hard pulls?

[Abby4]

I have had the first care credit card for years, used frequently,  they sent me a new card to replace the card I could not find, that new card I never received, so they closed the account and I had to reapply for a new one.

[GZG]

---

@Abby4 wrote:

Recently Care Credit card was reported stolen/did not receive, they closed the account $4000 credit line, so I reapplied and they issued me a new card with $5500 credit limit..........score goes down 4 points? why

---

I'm not sure why they had to issue you a new account to replace a lost card, but if there are now two care credit accounts on your credit report, the new account is the reason for the score loss

[Jnbmom]

That doesn't make much sense   If you lost your card , they normally cancel that card number and issue you a new card . Why did you have to apply ?  

normally they just update your account with new account number .

[hdporter]

4 pts?  Could be due to an interpretation that there's a new account reporting, due to a new inquiry, or a balance change on any other unrelated account.