Debit Card Renewal

Yes, when i card expires (as opposed to being cancelled) you get the next number in sequence, e.g. if old card was 1111 1111 1111 111X you probably get new number 1111 1111 1111 112Z

where X and Z are check digits on the card number

and major players like Amazon etc "know" the card number has just incremented ...

Sometimes you get the same number with an expiry date +2/+3+5 years on from the old one.

I think there is a mechanism by which the banks communicate updates in card numbers to merchants with a 'continuous payment authority' with the customer, like subscriptions (but perhaps not saved cards?). It means subscription payments don't suddenly start failing if the card is renewed. If the card is reported stolen then perhaps they won't propagate the new number?

Theo

I would NOT be surprised.

-- “it should be clear by now to everyone that activist environmentalism (or environmental activism) is becoming a general ideology about humans, about their freedom, about the relationship between the individual and the state, and about the manipulation of people under the guise of a 'noble' idea. It is not an honest pursuit of 'sustainable development,' a matter of elementary environmental protection, or a search for rational mechanisms designed to achieve a healthy environment. Yet things do occur that make you shake your head and remind yourself that you live neither in Joseph Stalin’s Communist era, nor in the Orwellian utopia of 1984.”

Vaclav Klaus

I started a chat with the bank to check this, they were so slow I went to bed in the end. Looked at it again this morning and they confirmed it is the replacement card!

I can use it with Amazon (perhaps other online shopping) but haven't physically received it yet...

Beware my experience that once you or someone else does use it your existing card is invalidated

Mine both c/card and d/card recently expired. The new numbers were totally different. Incidentally I have not found how to get rid of old numbers on Amazon.

Alan

Your Accounts / Your Payments / Wallet

This link will probably take you there (via login page if necessary)

Well, I spotted a couple of fraudulent transactions on my credit card recently, I phoned the bank, and they refunded the transactions, and killed the card, and sent me a replacement (which impressively arrived within 24 hours)

About an hour after my report to them, the new card details appeared in the app, so I set about changing various subscriptions with the new card details. However I forgot one, but amazingly logging on to that vendor's portal, it had updated by itself anyway.

The new card has a completely different last 8 digits

Interesting. Lloyds are moving from Mastercard to Visa. Rather concerning to think of all the services that bill me once/year and all the suppliers that have my card recorded ready for use!

I doubt the scheme will still work going Visa<>Mastercard, but who knows ?!!

ATM I have two MBNA cards, one Visa and the other Mastercard. They want to change my Mastercard one to Visa, for some reason. They might as well amalgamate them and pool the credit limit, as Barclaycard did a few years ago.

Is it not the same number for a credit card and a new number for a debit card?

Thanks. So easy. :)

I would like to see one of the European schemes to be up and running. Given the behaviour of the current US administration, I don't feel too happy that pretty much all such transactions go through one of two American companies.

MBNA is part of the Lloyds/RBS group, so that's all part of Lloyds switching their allegiance to Visa

Is Visa becoming the dominant player?

Lloyds and RBS are not the same, Lloyds and Bank of Scotland/Halifax are, however. RBS is also Nat West.

NatWest debit cards moved from Visa to Mastercard last year. .

You're right, I should have said HBOS.