Lost my wallet.... with all my cards

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RidgeRacerJM
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Lost my wallet.... with all my cards

Postby RidgeRacerJM » Sat Aug 16, 2014 1:03 am

Whats the proper protocol of replacing my cards and protecting my accounts? Im a little confused... The Capital One rep for example asked if i wanted to cancel my account and open a new one. That sounded super fishy to me. Is that normal?

I'd really appreciate if someone could provide me the steps on how to go about replacing my cards without it affecting my FICO scores or affecting me in any negative way.

Thank you.
Capital One Quicksilver: Since 10/2008 (CapOne Platinum originally)... upgraded on 08/2013
Chase Amazon Visa: Since 07/2011
Amex Gold Premier Rewards: Since 11/2011
Blue Cash Preferred: Since 05/2016

Experian Score: 825 05/16
TransUnion Score: 797 05/16


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onion
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Postby onion » Sat Aug 16, 2014 1:16 am

They'll just issue you a new card, not a whole new account. Sounds like Cap One is trying to sucker you into who knows what. Just call each bank, let them know the card is lost/stolen, and the prime lenders will overnight you a new card. FICOs won't take any hits, you'll just be getting a new card with a new number.
FICO TU - 728 - 8/14
FICO EX - 716 - 7/14
FICO EQ - 740 - 7/14

Bank of America Cash Rewards - $2,400
Best Buy - $3,000
American Express Blue Cash Everyday - $8,000
American Express Everyday - $10,000
Discover It Chrome - $500 (AU on fiancée's card, helping her build credit)
American Express Platinum - NPSL
Barclaycard Arrival+ - $3,000
Capital One Yamacard - $11,000

MemberSince99
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Postby MemberSince99 » Sat Aug 16, 2014 7:08 am

Oh geez. Good old Crap One customer "service". These are script readers in asia who have absolutely NO clue what in the hell they are doing.


What should happen is they should cancel the card not your account, and issue you a new card. Maybe that's what the script reader MEANT but with them, it's a crap shoot as to whether they will actually do that correctly. Good luck!

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 16, 2014 12:53 pm

If you want an alternative to QS with better customer service, you can look at NFCU's cash rewards card. It is also a Visa with no AF and 1.5% cash back. Living in San Diego, perhaps you or a relative have a military or military contractor affiliation? It doesn't just have to be the Navy.

I'm not a member but I called them recently with a question about one of their cards and spoke to a very helpful and friendly CSR.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

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otter
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Postby otter » Sat Aug 16, 2014 5:34 pm

MemberSince99 wrote:Oh geez. Good old Crap One customer "service". These are script readers in asia who have absolutely NO clue what in the hell they are doing.


What should happen is they should cancel the card not your account, and issue you a new card. Maybe that's what the script reader MEANT but with them, it's a crap shoot as to whether they will actually do that correctly. Good luck!


One more reason to avoid Crap One... so your wallet gets stolen or lost. That's stressful enough- you don't need CSR's who don't know enough English to execute the instructions you give them. With Crap One, you might even get a CSR who gets you a 10X CLI (when you've never gotten one before) instead of cancelling your card enabling the card's thief to steal more than a toy limit's worth!
In my Wallet:
  • Amex PRG NPSL[3-14, bd 91]
  • Sallie Mae MC $8000[1-14]
  • Chase Freedom $4700[1-14]
  • Discover It $2750[8-13]
  • BoA UCF Alumni Cash Rewards $5000 [3-15]
Sometimes in my Wallet:
  • GM BuyPower WEMC $5000[9-14]
  • Wells Fargo Propel 365 Amex $7000[4-14]
  • Barclaycard Arrival WEMC $7000[3-14]
  • BoA Better Balance $3000[2-15]
In my sockdrawer: Amex BCE $1000[10-13, bd 91], OCCU Duck $10000 [11-13], The Sportsman's Guide Visa $8000[8-14], Chase Slate $4000 [9-14]Delta Gold Amex $2000 [2-15 bd 91], Diners Club MC $20000 [10-14] Commerce Bank Visa $2000 [3-15] Citi Double Cash $1000 [3-15]
Total CL: $90450

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CarefulBuilder14
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Postby CarefulBuilder14 » Sat Aug 16, 2014 9:31 pm

RRJM,

Your average account age is reasonable and you haven't opened any recent credit. If you pay on time and have low balances, you could probably get a good new MC - maybe a decent rewards one from Barclays - like Sallie Mae or Arrival?
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card

dragon452
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Location: South Florida

Postby dragon452 » Sun Aug 17, 2014 10:24 pm

I can give you an answer to your question, but please note that I'm not selling anything: I use a service called "Privacy Guard", run by the Triligiant Corporation. I personally use it to give me monthly 3-bureau credit monitoring reports, and a credit score using a formula very similar to the formula FICO uses. But, included in those services is a feature called "Credit Hot Line", which is a 24 hour, seven day a week service that, upon properly identifying you, they will notify the banks or credit card companies, and close any one, or ALL credit card accounts you have registered with them immediately. They also help set you up with the replacement cards. This is a great convenience if you lose all your cards at once. This service includes ATM and Debit cards you register with them.

supercoolman
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Postby supercoolman » Mon Aug 18, 2014 2:35 am

CO doesn't have a link online for you to report lost or stolen card?



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