Unfreeze expiring AIB cards to allow renewal

M

MugsGame

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Heads up: if you've frozen an AIB payment card, you should unfreeze it near expiry, to avoid extra manual effort to get it renewed.

My credit card expires soon. I got a letter from AIB saying they wouldn't automatically send me a new card, due to suspected fraud on my account. When I rang them to go through the suspect transactions, the actual issue was that my card has been frozen for an extended period, so was automatically declined for renewal. I had to unfreeze it before the agent could re-request renewal.

This makes sense as a business process (why auto-renew a card that's not being used), but the letter was a little alarming (particularly as the card is frozen). I've frozen my AIB credit and debit cards as I rarely use them for payments or at ATM, and am happy to unfreeze the odd time I need to use them.
 
That's interesting. I wonder if other banks operate the same way? I keep my PTSB credit card frozen unless/until I need to use it.
 
In retrospect, it's probably also that some people freeze a card when they mislay it. At renewal they would normally issue an updated expiry date and CVV for the existing card number. But they may want to issue an entirely new card number if the old details have potentially been compromised.
 
Agree Mugs

But the wording of the letter frightens you with "suspected fraud". They should just say "We note your card is frozen and won't issue a new one in case you have frozen it because you suspect fraud"
 
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