How long do old cards stay on bank systems

TheEffect

When you cancel a debit card with a bank, it stays on the list of debit cards on the banks system.

Can anyone that works for a bank tell me if these stay on the system forever or do they fall off and no longer appear after a while.

Also, if you have two current accounts, are notes left on the account, account specific, or are they per customer, so notes for current accounts appear when you look at a savings account etc.

EarthBoy

Re the debit card, I have no idea. I should think it would it vary from bank to bank. They certainly wouldn't disappear straightaway. Why do you want to know?

As for notes on the system, that would vary between banks as well. It could be either way that you describe, depending on how their computer systems have been designed. Again, why do you want to know?

chambta

Odd question. I can usually look back and see up to 10 years worth of card history.

rb10

chambta wrote: »

Odd question. I can usually look back and see up to 10 years worth of card history.

But just because the system that you use shows up to 10 years' worth doesn't mean that RBS doesn't store details further back than that somewhere.

(Although this is said not knowing anything about RBS's systems or your job.)

Innocent_Guy

TheEffect, Why do you wanna know?

TheEffect

I've had 9 debit cards issued this year for replacements or from upgrading/downgrading accounts. When I phoned yesterday, the lady asked why I've had so many debit cards this year. I was just wondering if they wont be shown after a while so I don't get asked again by Customer Service.

[Deleted User]

I've had the same issue with my bank, had about 10 cards this year from account upgrades, downgrades, regrades, and one where they got my name wrong...

*angelmum

They keep them on the system for a number of years, not sure how long exactly, as well as a reason for the change, such as expired, lost, stolen etc. It's an unusual question to ask, I doubt every cs staff would ask it, I certainly wouldn't.

jambosans

*angelmum wrote: »

It's an unusual question to ask, I doubt every cs staff would ask it, I certainly wouldn't.

Some banks charge for additional cards after so many free cards are issued in a year or set time-scale. HBOS, for example, allow two free replacements in a 12 month period, after that they are supposed to charge you £5 for each further replacement. Whether or not they put this into practice is another story.

*angelmum

jambosans wrote: »

Some banks charge for additional cards after so many free cards are issued in a year or set time-scale. HBOS, for example, allow two free replacements in a 12 month period, after that they are supposed to charge you £5 for each further replacement. Whether or not they put this into practice is another story.

I know, I'm bank staff, and the charge/reason for new cards is entered at the time of ordering them, therefore there is no reason for a customer to be asked the reason yet again.

jambosans

*angelmum wrote: »

I know, I'm bank staff, and the charge/reason for new cards is entered at the time of ordering them, therefore there is no reason for a customer to be asked the reason yet again.

I guessed that from your last reply, however I was merely indicating that perhaps - depending on how strictly implemented charging for additional cards is - the staff member was taking a decision about whether or not they would charge for the card. Also, you don't work for every bank, so policy and procedure will be different, the OP's bank may charge for additional cards, unless the large numbers ordered previously were due to exceptional circumstances. The previous cards cancellation reason may not give a clear indication of why the card was cancelled (e.g. card snapped, marked as lost as opposed to damaged to allow for quicker delivery), so asking the customer directly will help make a more informed decision.