Replacing a card after fraud may not stop the problem — scammers can follow your details onto your new card automatically.
What is happening?
When your bank cancels a fraudulent card and issues a replacement, you might expect the problem to be over. But a background system used by card networks — called an Automatic Billing Updater — can automatically pass your new card number to merchants who have your old details on file. If a fraudster has set up an account using your stolen card details, they may receive your new card number too.
Why does this scam work?
Most people do not know this system exists. Replacing the card feels like a clean break — but without the bank actively blocking the fraudster's account from receiving updates, the fraud can continue on the new card before it has even arrived.
Warning signs:
Fraudulent transactions continuing after you have received a replacement card. Unfamiliar companies appearing on your statements shortly after a new card is issued.
What to do:
If you report card fraud, specifically ask your bank to check whether any tokens or digital wallets linked to your old card details need to be removed. Monitor your statements closely in the weeks after receiving a replacement card. If fraud continues, contact your bank immediately and escalate if necessary.
