Hey everyone and welcome back to the Money Girl Podcast, a show that covers what you need to know about money.

My name is Laura Adams. I'm a personal finance expert and author of multiple books.

You can learn more about me at Laura D Adams.com.

On money girl, I talk about a variety of personal finance topics like building credit, managing debt, real estate, spending less, earning more, insurance, taxes, investing for retirement, mindset, and a whole lot more.

My goal for the show is to keep you up to date, offer fresh solutions to old problems, and

give you actionable steps so you can live rich and love the journey.

A podcast listener named Karen says, your recent show about credit card pitfalls reminded me of a recent experience. I lost my

credit card and had it reissued, but the new card has a different number.

Will the cancellation of the old card hurt my credit score?

Thanks Karen, this is a great question.

And by the way, the show she's referring to

as episode number 426 called Seven Credit score traps you should avoid.

If you're a long-time listener you're probably like Karen and know that

closing a credit card can hurt your credit scores. But what if you can't avoid it because your card was lost,

stolen, or the number got compromised in a data breach that wasn't your fault?

In this podcast I'll answer Karen's question and explain how replacement credit cards are handled.

Plus I'll answer an additional listener question for more clarification.

You'll find out if your credit scores could take a hit

when you have a lost or stolen credit card.

In case you're wondering, I'm no stranger to having credit cards hacked.

I review my transactions frequently and a few months ago I saw an $800 charge for Disneyland tickets that I definitely did not buy.

I've also caught thieves sending test transactions for one or more small amounts

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