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Card Reissue

Cards and IssuanceUpdated 15 Nov 2026

A card reissue is the production of a new card for an account that already has one. The routine case is renewal: shortly before the expiration date, the issuer sends a card with a later date and a new security code, usually keeping the same number. Issuers also reissue in bulk when a card product is upgraded, when a programme moves to another network or sponsor, or after a data breach at a merchant or processor has exposed card numbers, in which case the number changes.

The term overlaps with card replacement, which usually refers to a single card that an individual has reported lost, stolen or damaged. Reissue has costs: manufacture, postage, and failed recurring payments where merchants hold the old details. To limit the last of these, issuers report changes to the networks' card account updater services, and a network token continues to work across a reissue.

Last updated 15 Nov 2026