The short answer
The registry records Card Replacement Fee as a possible interpretation of CARD REPLACEMENT FEE. This descriptor-to-company association has not passed claim-level evidence review. Compare the exact line, amount and posted status with your own receipt or account activity; the name alone cannot confirm the merchant or whether you authorized the payment.
The notes below are unreviewed registry explanations, not confirmation of merchant identity, authorization or current policy. Claim-level source review is pending for this entry.
What is a Card Replacement Fee?
Unreviewed registry note: A CARD REPLACEMENT FEE on your bank statement indicates an administrative surcharge assessed by your financial institution for manufacturing and mailing a new debit or credit card. When a card is damaged or misplaced, cardholders submit a reissue request, and the institution bills the expense under the Card Replacement Fee line item. Most domestic banks charge between $5.00 and $15.00 for regular replacement cards, while rush expedited delivery via courier can run $25.00 to $35.00.
Unreviewed registry note: This line item appears shortly after you or an authorized user on your account requests a new piece of plastic. Standard routine renewals sent near your card expiration date are almost always free. In contrast, an off-cycle reissuance prompted by accidental loss or a defective magnetic chip triggers this manual fee. Some institutions also assess a Card Replacement Fee if you order custom card art or request an extra card for an authorized signer on an everyday checking account.
Unreviewed registry note: If you never authorized a card reorder, contact your card issuer immediately using the phone number printed on the back of your card. Unprompted replacement requests can signal account takeover attempts where an unauthorized party tries to intercept plastic at a compromised address. If you ordered the card yourself because the old one stopped working through normal wear, call customer care and ask for a courtesy credit. Bank representatives routinely reverse this fee for loyal account holders who simply ask.
Standard Charges vs. Renewal
Unreviewed registry note: Most banks maintain a set schedule of charges for reissue services, with costs depending on your account tier and the type of card you carry.
Unreviewed registry note: While routine renewal cards sent before expiration are free of charge, an off-cycle replacement counts as an individual service request that triggers the bank fee.
- Step 1 Unreviewed registry note: Check your bank's Schedule of Charges on their official website to confirm the exact fee for your specific card type.
- Step 2 Unreviewed registry note: Review recent activity to see if you or someone on your account recently requested a replacement card through your mobile app or branch.
Can I get a card replacement fee waived?
Unreviewed registry note: Depending on your account type (e.g., premium accounts) or previous discussions with customer care, some banks may be willing to waive this fee if you ask.
Independent reference — not affiliated with Card Replacement Fee. Billing names and policies change; verify with the merchant or your bank before acting.
Sources and evidence
Sources may support different parts of this page. A company homepage does not establish a statement descriptor, refund policy or contact detail. Check the claim notes and your own receipt before acting.
- CFPB: Disputing Credit Card Charges https://www.consumerfinance.gov
- FTC: Fair Credit Billing Act https://consumer.ftc.gov
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