Debit Card Number Change

EJLevin

Deleted_User said:

Yes, it happens very often.

If the online accounts don't carry through, just update them as needed.

Deleted_User said:

Yes, it happens very often.

If the online accounts don't carry through, just update them as needed.

Well I have never known of this and neither have any of my friends.  But thank you for your response.

EJLevin

Deleted_User said:

Yes, it happens very often.

If the online accounts don't carry through, just update them as needed.

Thanks for your response.  I have never experienced this.

EJLevin

jonesMUFCforever said:

Debit cards number have always changed the last 4 digits - how else would you distinguish a lost card from a live valid one?

Perhaps from the 3-digit security number on the reverse?  Thanks for your response.

EJLevin

COIAHLGW said:

My Nationwide debit card changed the last 4 digits of the card upon its expiration.
However, please let us know which banks you are with that has never changed their number in 30 years?

Thanks for your response.  Nationwide is one bank I have used in the past. And HSBC. I have never been aware of any change.  And yesterday I asked some friends who said the same.  Maybe I am living in a parallel universe. 

EJLevin

Migster said:

There can be a difference between lost/stolen cards and cards that are renewed on expiry. With a lost/stolen card you are always going to get a new 16 digit PAN, but with renewals, the PAN can stay the same. I worked for a bank years ago and we didn't change card numbers for renewals (well we did eventually as the system could only cope with nine iterations of the same card number), though I guess this may no longer be the case if banks see it as more secure to change the PAN (there's more card fraud about these days than at my time).  

Thanks for your response. If I had lost the card then of course I would expect the number to change.  But I have not lost it in this case.  Thank you for confirming that for many years the number did not change as many on this forum are disputing this.  Before my present account, I used the same bank for about 25 years but had various credit cards from other financial companies.  I never experienced the card number changing, only the 3-digit number at the back and of course the expiry date. If this is what will be happening for the future, I will just have to accept.  Thanks again.

EJLevin

adamp87 said:

What’s more inconvenient? 

Changing your card numbers

or
Being a victim of fraud.

Thank you for your response.  My bank has such stringent anti-fraud systems that it is unlikely I would be a target.  

EJLevin

eskbanker said:

EJLevin said:

My debit card expires next April 2021, but I have received a replacement card now, 10 months early,  and I am astonished to see that the last 4 digits of the card number have changed. 

This is VERY inconvenient and disruptive as I now have to go into my many online accounts to amend the card number. 

I inquired at my branch why I was given this new card and was informed that the bank have decided to use a more durable plastic, that my number had changed for “security reasons” and that all banks do this.

Perhaps the security reason is actually related to the fact that you've stored your card number in so many online accounts that it's VERY inconvenient to have to change them all?

Thanks for your response.  I doubt it because at this time of lock-down, most people have had to shop online and so create new accounts.  I only have about 20 and most are for paying bills or have been used for years such as Ebay. And I am careful who I conduct business with and do not engage with unknown associations. It will be even more inconvenient for my sister who is partially sighted if she has to change all her online accounts.  But even though we share the same surname, bank and expiry date, she has not been send a new card.  Strange that.  I tend to think this is an AI error.  

SuperAllyB

I have no idea nor opinion on the accuracy of the responses given to your original question, but you have just made eight posts disagreeing with most of them.  Next time you should maybe put the answer you're looking for in beside the question to help other posters out.

eddddy

EJLevin said:
If my details have been compromised, then I would expect the customer services and the branch account manager to tell me so, because then the situation would have made sense.  Instead all 4 just gave me waffle.  

If your card number was changed for security reasons, those people would have no way of knowing that - they wouldn't have access to that kind of info on your account.

Banks are very cagey about telling you anything about their security processes. As far as they're concerned, there's always the possibility that you're involved in whatever "dodginess"  has occurred with your card, and you're grilling them to see if they're catching up with you.

 

jonesMUFCforever

EJLevin said:

jonesMUFCforever said:

Debit cards number have always changed the last 4 digits - how else would you distinguish a lost card from a live valid one?

Perhaps from the 3-digit security number on the reverse?  Thanks for your response.

Bank staff do not have access to the security number, They can only see the 16 digit long number on the front of your card.
Bank managers do not  get told why every card has been replaced early - they are as much in the dark as you are.