Last Saturday I got a call from our neighboring city's police department, saying that they found some stolen mail in their city. I went there and all I can find is a kid's magazine, a Macy's package bag, and an ebay package's bag (sippy cup silicone replacement straw). Apparently someone took mails along many places, taking the valuable, then toss their envelopes in their city. I knew Capital One sent out a new card recently and I suspected they got stolen, but they want me to wait a few days before I file for lost card.
Today I got a text from Capital One saying that I should have received the card by now, and I finally found the card in the mail. The envelope seems ok except a tiny rip at the glue "tip" but not completely open, it didn't look wet or reglued. I would say I am 75% sure it has not been opened by an unskilled lazy homeless or theft, but if anything it is possible some professional could have opened it, copy the 3 digit security code, then seal it back. There is no more magnetic strip and I don't think it is easy to hack a chipped card and if they can do it they probably can make money in other ways instead of targeting me.
So, since I have to renew all the auto payment anyways because of the new exp date and security code, I have a feeling I should just tell Capital One that I "did not receive the card" and get a new number / new security code card instead of hoping things would be safe. I know most likely it is fine because it is chipped, but it doesn't cost anything to use a different card if I am concerned.
Am I worrying too much? or it seems to be the right thing to do?
Today I got a text from Capital One saying that I should have received the card by now, and I finally found the card in the mail. The envelope seems ok except a tiny rip at the glue "tip" but not completely open, it didn't look wet or reglued. I would say I am 75% sure it has not been opened by an unskilled lazy homeless or theft, but if anything it is possible some professional could have opened it, copy the 3 digit security code, then seal it back. There is no more magnetic strip and I don't think it is easy to hack a chipped card and if they can do it they probably can make money in other ways instead of targeting me.
So, since I have to renew all the auto payment anyways because of the new exp date and security code, I have a feeling I should just tell Capital One that I "did not receive the card" and get a new number / new security code card instead of hoping things would be safe. I know most likely it is fine because it is chipped, but it doesn't cost anything to use a different card if I am concerned.
Am I worrying too much? or it seems to be the right thing to do?