# I pit US Mail, my Credit Union, and/or MasterCard **URL:** \ **Category:** The BBQ Pit\ **Created:** [August 23, 2022, 10:20pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193 "2022-08-23T22:20:32Z")\ **Posts on this page:** 12\ **Page:** 1
**Author:** ![N9IWP](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/n9iwp/32/3154_2.png) [@N9IWP](https://boards.straightdope.com/u/N9IWP)\ **Post date:** [August 23, 2022, 10:20pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/1 "2022-08-23T22:20:32Z")
(This is my first pit post) The chip in my credit card broke, so it made using it a pain (insert 3 times, then swipe), so I ordered a new credit card July 18 (not sure of the exact date) Having seen nothing, I called August 15, they said they would mark that “lost” and issue me a new one, and rush it for no charge. I got a new credit card today. I got all excited, but then I could not activate it. Called my CU, and you probably guessed it, it was the card I ordered in July that had been marked “lost” I have a backup credit card, and this really is a first world problem, but it is still frustrating.(especially because I got my hopes up only to get them dashed) Brian ---
**Author:** ![Roderick\_Femm](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/roderick_femm/32/14875_2.png) [@Roderick\_Femm](https://boards.straightdope.com/u/Roderick_Femm)\ **Post date:** [August 23, 2022, 11:18pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/2 "2022-08-23T23:18:50Z")
Usually when a credit card is lost, they also give you a different number and expiration date and 3-digit code on the back. That’s where the pain really is, when you do most of your shopping online. Last Monday, my ccard provider called me about a transaction which turned out to be bogus, so they were going to issue me a new credit card. It came yesterday. So the only people I could be mad at were the fraudulent dickwads who made a feeble attempt to steal from someone, when they had neither the expiration date nor the code. ---
**Author:** ![N9IWP](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/n9iwp/32/3154_2.png) [@N9IWP](https://boards.straightdope.com/u/N9IWP)\ **Post date:** [August 24, 2022, 12:09am UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/3 "2022-08-24T00:09:14Z")
Actually the card they cancelled has a different number, but it looks like they cancelled my (broken chip but ok for online stuff) card was ALSO cancelled. Have to wait until tomorrow to clarify. Arrg! Brian ---
**Author:** ![carnut](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/carnut/32/3531_2.png) [@carnut](https://boards.straightdope.com/u/carnut)\ **Post date:** [August 24, 2022, 10:03pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/4 "2022-08-24T22:03:06Z")
3 years after moving, my debit card was hacked/used by someone else so my CU sent me a new card. Which I didn’t receive. At the three week mark it still hadn’t arrived but they begged waiting yet another week while I lived with carrying cash for everything. At the 6 week mark, I demanded that they send another one to themselves and I would come pick it up. It arrived at the CU within 4 days. I wanted to know what was up with that time difference. They sent it to the old address. I asked what was up with THAT? Oh, maybe the address change I registered when I moved didn’t get sent to the company that handles the debit cards for them (Visa). I asked WHY? Oh, well, some errors were made… Grrrr. ---
**Author:** ![N9IWP](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/n9iwp/32/3154_2.png) [@N9IWP](https://boards.straightdope.com/u/N9IWP)\ **Post date:** [August 24, 2022, 10:16pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/5 "2022-08-24T22:16:08Z")
OK, they confirmed that my original credit card (with the broken chip) was closed out, but they cannot explain why. Card #3 is in the mail, maybe I will get it before Halloween… Brian ---
**Author:** ![omenran](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/omenran/32/3318_2.png) [@omenran](https://boards.straightdope.com/u/omenran)\ **Post date:** [August 25, 2022, 9:59am UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/6 "2022-08-25T09:59:39Z")
Wow that’s a real pain, I pretty much only use my card . Fortunately, my CU makes it really easy to get a replacement- you can go to any branch and they can “print” a new one. Since I use my card so much I’ve had to get it replaced a couple times and it’s always been quick and easy. I could even get a new card with the same numbers, but when I got a different looking one with a promotion for a local nonprofit the numbers did change, but it was all done right there at the CU, no waiting for activation or anything. Godspeed your working card. ---
**Author:** ![bob\_2](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/bob_2/32/3341_2.png) [@bob\_2](https://boards.straightdope.com/u/bob_2)\ **Post date:** [August 25, 2022, 11:03am UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/7 "2022-08-25T11:03:59Z")
Having a backup card is a good idea. It also pays to be sure that both cards are issued by different organisations so that cancelling one does not affect the other. ---
**Author:** ![carnivorousplant](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/carnivorousplant/32/3563_2.png) [@carnivorousplant](https://boards.straightdope.com/u/carnivorousplant)\ **Post date:** [August 25, 2022, 3:29pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/8 "2022-08-25T15:29:40Z")
Agreed. I have more than one. ---
**Author:** ![racer72](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/racer72/32/3075_2.png) [@racer72](https://boards.straightdope.com/u/racer72)\ **Post date:** [August 25, 2022, 3:35pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/9 "2022-08-25T15:35:54Z")
I love my CU. I can get replacement debit and credit cards in about 10 minutes at any of their branches. ---
**Author:** ![N9IWP](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/n9iwp/32/3154_2.png) [@N9IWP](https://boards.straightdope.com/u/N9IWP)\ **Post date:** [August 25, 2022, 7:08pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/10 "2022-08-25T19:08:50Z")
My backup credit card is through a different financial institution, and a different supplier (my main card is MasterCard, my backup is Visa) Brian (I also have an ATM card through my main bank, and I THINK I can use it as a Debit Card, but never have) ---
**Author:** ![needscoffee](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/needscoffee/32/1076_2.png) [@needscoffee](https://boards.straightdope.com/u/needscoffee)\ **Post date:** [August 26, 2022, 1:21am UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/11 "2022-08-26T01:21:56Z")
Last month, my credit card chip had stopped working about half of the time, so I called the number on the card to order a new one. One of the phone tree options was to “replace a damaged card”. The new card I was sent has the exact same number, expiration date, and security code as the one it replaced. It came in about 2 weeks. It was a Citibank Visa, fwiw. ---
**Author:** ![N9IWP](https://sea3.discourse-cdn.com/straightdope/user_avatar/boards.straightdope.com/n9iwp/32/3154_2.png) [@N9IWP](https://boards.straightdope.com/u/N9IWP)\ **Post date:** [August 26, 2022, 9:35pm UTC](https://boards.straightdope.com/t/i-pit-us-mail-my-credit-union-and-or-mastercard/970193/12 "2022-08-26T21:35:10Z")
Got new card today (FedEx, and was able to activate it) Now to change all my automatic payments to the new # (I suppose I could wait until they bark that the old # doesn’t work) – it really isn’t that many. Brian