How to Order a New Card to Replace Your Old One

You may need a new payment card, whether a credit or debit card. Reasons range from a damaged card or one nearing its expiration date, to more serious events like a lost or stolen card. An updated card design or a name change can also prompt the need for a replacement. Understanding the process to obtain a new card is essential.

Preparing to Order Your Card

Before initiating a request for a new card, gathering specific personal and account information is important. This streamlines the ordering process. You will need details such as your full name, date of birth, and possibly the last four digits of your Social Security Number for identity verification. Your current contact information, including your address and phone number, is also necessary.

Your financial institution will also require your account number or existing card number. Be prepared to answer security questions you’ve previously set up, as these serve as another layer of identity confirmation. The reason for your card replacement, such as damage or loss, will be requested during the process.

Steps to Order a Replacement Card

Ordering a replacement card can typically be done through several convenient channels. The most common methods include online banking portals, contacting customer service by phone, or visiting a branch in person.

Through an online banking portal or mobile application, you can usually find a “manage card” or “replace card” option within your account settings. This guides you through a series of prompts to confirm your identity and reason for replacement. For instance, you might select a checking account from your dashboard, then choose “Card controls” and “Order a new card,” specifying if it’s lost, stolen, or damaged. Some platforms may even allow you to preview new card designs or access a virtual card immediately for online transactions while awaiting the physical card’s arrival.

For phone requests, you can call the customer service number typically found on the back of your existing card or on your financial institution’s website. Many institutions offer automated phone systems that can process a replacement request without requiring you to speak with a representative. You will be asked to verify your identity using personal details and confirm the mailing address.

Visiting a local branch in person is another option, though the immediate availability of a new card can vary by institution. Some financial institutions can issue a temporary or permanent card on the spot, allowing for immediate use. However, many banks will process the request at the branch and then mail the new card to your address, similar to online or phone orders. Regardless of the method, the process concludes with your financial institution initiating the production and delivery of your new card.

Receiving and Activating Your New Card

After ordering, your new card will typically arrive by mail within 7 to 10 business days, though some institutions may offer expedited shipping for an additional fee, potentially reducing delivery to 2 to 3 business days. Upon receipt, activating your new card is necessary before use. Activation instructions are usually included with the card and often involve calling a toll-free number, activating through your financial institution’s online banking portal, or using their mobile app.

During activation, you will need your new card number and may be asked for personal details, such as your date of birth, to verify your identity. Some cards can also be activated by making a transaction at an ATM using your PIN. Once activated, it is important to securely dispose of your old card to prevent unauthorized use. This involves cutting through the magnetic stripe, the EMV chip, and the card number, then discarding the pieces in separate trash receptacles.

Finally, update any recurring payments or subscriptions linked to your old card number. While some merchants might automatically update card information through payment networks, it is prudent to manually update payment details for all services and online retailers to prevent interruptions. Regularly monitoring your account statements for unrecognized transactions also remains a sound practice.