⚡ Quick summary
First reissue 5 USD; each later reissue 10 USD; gap must be greater than 31 days.
After reissue the card number stays the same; CVV and expiry update. Rewards balance cannot pay the fee.
Virtual cards are valid for 3 years and are auto-replaced at expiry — no new application needed.
📖 Overview
If a virtual card's CVV was exposed, expiry is near, or you need refreshed security details, you can reissue / replace the card in the App. Deleting or canceling a card is a different path with different fees — see Related articles.
💰 Reissue fees
Item | Fee / rule |
First reissue | 5 USD |
Each later reissue | 10 USD |
Gap between reissues | Must be greater than 31 days |
Payment | Account balance (rewards balance not accepted) |
Processing time | About 5–10 minutes after submit |
The same fee appears in MPChat Card Limits and Fees as the Card Reissue / Replacement Fee row.
🔑 How to reissue
Open the MPChat App and go to Card > Manage > Reissue.
Confirm the fee and pay (first reissue 5 USD).
After payment, the card number stays the same; CVV and expiry are updated.
⚠️ Notes
Keep enough balance; rewards cannot pay the reissue fee.
Updates usually finish in 5–10 minutes.
If the card is linked to merchants (subscriptions, wallets), update CVV and expiry on those platforms after reissue so renewals keep working.
📅 Card expiry
Virtual cards are valid for 3 years. At expiry the system automatically issues a replacement virtual card — you do not need to re-apply, and auto-replacement at expiry is not charged as a reissue.
🗑️ Want to delete instead of reissue?
If you only need a break, prefer free Freeze. A true delete charges a cancellation/settlement fee; the card-opening fee is not refunded and the card cannot be restored. See: