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Whether a new card card represents a new credit account comes down to who is initiating the change, says Ken Chaplin, senior vice president at Trans Union credit bureau.
Normally, getting a new credit card can lower your score slightly in two ways.
Nobody pulls your credit, and your score won’t change.
“Those transactions happen behind the scenes and they don’t usually create a credit-score-impacting event,” Chaplin says.
To do this, many or all of the products featured here are from our partners. Even though they’d be able to keep earning special credit card rewards as Costco members, they worried that the shift could affect their credit score by creating a new account.
In January 2016, Fidelity Investments customers learned that the firm was dropping American Express for its own co-branded card and partnering with Visa, leading to similar fears.
If you lose your card or there’s been a big security breach, your issuer may decide to change your account number and send you new cards as a precaution.