Skip to content

Comment on Ask HN: When a credit card expires why does the bank not issue a new number?

Comments

bank account != card

The bank account is linked to your agreement & contract, the card is a medium to access the account. It is not on the card issuer's (Visa, Mastercard, etc) interest to constantly be generating new card #s, as each has a non-trivial cost (administratively).

It also makes things easy for the opposite case, Visa & Mastercard have an auto-updater program where if a card is replaced due to expiration, they auto-port subscriptions to the new card to avoid service disruptions. [This is not available everywhere, and depends on the merchant & payment processor, but it exists]

It is not on the card issuer's (Visa, Mastercard, etc) interest to constantly be generating new card #s, as each has a non-trivial cost (administratively).

Anecdote, but my bank (not in the US) does issue virtual/single use cards with new numbers and CVV on a simple click.

They also issue a new card number on expiration too.

AboutSource Built by g1lg1l

Hackerly is an independent reader for Hacker News, built on the public HN API. Not affiliated with Y Combinator.