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How Will Changing My Credit Card Number Impact My Credit Score?


How Will Changing My Credit Card Number Impact My Credit Score image
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Your credit score, that number which decides whether you can get a loan or mortgage, plays a major role in your financial life. When facing situations that require changing your credit card number, whether due to fraud, loss, or simply getting a new card, it’s natural to wonder about the potential effects on your credit score. We’re about to unpack the different reasons why you might need a new credit card number and how this could play out on your credit score.


Changing Your Credit Card Number: The Why and How


Changing your credit card number can occur for several reasons. The most common ones include:

Fraud or Security Concerns: If your credit card information is compromised due to unauthorized transactions or data breaches, your card issuer may opt to issue a new card with a new number to protect your financial security.

Card Expiry: Credit cards have expiration dates. When your card expires, your issuer will send you a new card with a different number.

Lost or Stolen Card: If you lose your credit card or it’s stolen, it’s imperative to report it to your card issuer immediately. In such cases, your issuer will replace your card with a new one, changing the card number.


Does Changing Your Credit Card Number Impact Your Credit Score?


The good news is that changing your credit card number, under normal circumstances, does not directly impact your credit score. Here’s why:


No Reported Negative Information: When your credit card number changes due to any of the above reasons, your card issuer will typically report the change to the credit bureaus. However, this isn’t treated as negative information. The change is usually labeled as “account closed” or “card reissued,” and the account’s history and positive data remain intact.

Account Age and Payment History Remain: Your credit score heavily depends on your payment history and the length of your credit accounts. When you receive a new card, your account history, including its age and payment track record, is carried over to the new card. This continuity ensures that your credit history remains intact.

Credit Utilization and Available Credit: Credit utilization, the ratio of your credit card balances to your credit limits, is a significant factor in determining your credit score. Changing your card number doesn’t impact your available credit or credit utilization since these figures are tied to your account, not your card number.

Credit Mix and Types: Credit scoring models consider the mix of credit types you have, such as credit cards, loans, and mortgages. Changing your credit card number doesn’t alter this aspect of your credit profile.



In conclusion, changing your credit card number due to fraud, expiration, or a lost card should not negatively impact your credit score. The credit reporting system ensures that your credit history remains consistent, even when your credit card number changes. However, it’s essential to monitor your credit reports to ensure that the change is accurately reported, and there are no inaccuracies that could affect your creditworthiness. Your credit score is valuable, and understanding how it works empowers you to make informed financial decisions.

Author Bio

Mohamed Konate

Mohamed Konate is a personal finance expert, blogger, and marketing consultant based out of Toronto. He is a former financial services professional who worked for many years at major Canadian financial institutions where he managed the marketing strategy around various financial products ranging from credit cards to lines of credit. Mohamed is passionate about personal finance and holds a Bachelor in Business Administration from the University of Quebec (Montreal) and a Master in International Business from the University of Sherbrooke (Quebec).He is also the author of the Canadian Credit Card Guidebook. Read his full author bio

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