Will reissuing my credit card to get a new number every year or even more frequently hurt my credit or effective me negatively?
I recently had to have my card reissued because I noticed a charge on my account I did not make.
Then I realized I had this card for like 4 years and credit card numbers are static.
Why shouldn't I just reissue my card every year and get a new number? Would that hurt my credit in some way or have some negative impact.
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Why shouldn't I just reissue my card every year and get a new number?
Because in four years you've only had to do that once, your way you would have had to do it four times.
Would that hurt my credit in some way or have some negative impact.
No. This wouldn't be a credit pull event.
It doesn't affect your Credit Score; but it also doesn't add any security:
Charges to the old number will automatically be 'forwarded' to the new number, unless you report fraud on the old number.
Even if you do (report fraud), regular payments will still be forwarded; only new ones will be declined. It is also not so easy to report fraud if none happened.
To disagree with the other answers:
It did affect my credit score (in a very minor way). I applied for a credit card while making a purchase at a store ( savings). Card never arrived due to me moving. Now I have a closed account on my credit report and I have an open account.
If the credit report treats it as a new account the average age of your accounts will go down, which will pull down your credit score. Beyond that, though, everything stays the same so it shouldn't affect any other indicator of your credit score.
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