If your bank card is lost or damaged and you want to replace it while keeping the original card number, is that possible?

A few years ago, this would have been a difficult question to answer. For a long time, it was standard practice to change the card number whenever a card was replaced, and this was generally accepted by everyone.

However, things have changed with the advancement of technology. Nowadays, most banks can offer a "card replacement without changing the number" service. But in real life, many people are told by the bank that they cannot keep their original card number when they go to replace their card. What's going on?

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Bank cards can be divided into two types: credit cards and debit cards. There's no need to elaborate on credit cards; once you've successfully applied for one, you can keep the same card number no matter how many times you replace the card.

Today, let's focus on debit cards, which are the ordinary cards we use for depositing and withdrawing money at bank counters or smart machines. There are many types of these cards, and they have evolved over the years from magnetic stripe cards to chip cards, with security continuously improving.

The service for replacing cards without changing the number has also been upgraded. However, the bank cards with numbers starting with 9 that were issued in the early days have been gradually phased out, so it's not possible to keep the original card number for these cards.

In recent years, bank cards with numbers starting with 6 have been issued, and most banks can indeed keep the original card number, unless it's a smaller bank with lower technological capabilities that may not be able to offer this service.

But why, in real life, when you go to the bank to replace your card, do the tellers not allow you to keep the original card number?There are many reasons for this, in addition to what was just mentioned, it is possible that the technological level of some banks indeed cannot meet the business needs of card replacement without changing the number. The main reasons are as follows:

First, the business process is relatively complex. Compared with the normal card replacement business, the business of retaining the card number is relatively complex. This is because the equipment for making bank cards is relatively scarce and specialized, and the production process has certain risk control requirements. Therefore, it is generally centralized to the head office or provincial branches for card making. In this case, during the handling process, it is necessary to report at all levels, and it is definitely impossible to get the card at that time.

After the process is reported, the card can only be made after passing the review without any problems. Moreover, the finished card needs to be mailed back to the branch. After the branch staff receive the card, they need to notify the customer again to come and pick up the card and activate it. Although the whole process is not complicated, it is quite cumbersome and involves a lot of energy. The most important thing is that such business cannot directly bring benefits to the bank and tellers, so bank staff are often reluctant to handle such business.

Second, the assessment index drives. Many people may not know that when a bank card is handled, it is destined that all the funds in the card in the future will belong to the bank branch where it was initially handled. So everyone understands why bank staff are constantly marketing card handling.

Similarly, when changing the card, if it is not a card handled by this branch, even if it is changed, it has nothing to do with the branch and staff who handle your business. From the perspective of index assessment, everyone is more inclined to cancel the customer's original card and re-apply for a new card, rather than handling card replacement, let alone the relatively complex card replacement without changing the number.How can one smoothly achieve "card replacement without changing the number"?

Although this service is somewhat complex at present, it is relatively mature. Therefore, if anyone has this need, they can simply apply for it at a bank branch.

Of course, there is an even simpler method, which is to log in to the bank's online banking or mobile banking, find the corresponding function, and achieve one-click processing. However, after the card is mailed, it still needs to be activated at the bank.

Have you ever handled the "card replacement without changing the number" service?

For the service of retaining the card number, does anyone have any questions?

We welcome everyone to leave comments and interact, let's discuss together.

That's all for this episode. If you want to know more about financial management, please leave me a message.