What should I do when I receive a replacement card?

When a Citadel credit or debit card enrolled in Microsoft Pay expires or is replaced due to loss, theft, fraud or chip card upgrade, Citadel will automatically update your card information in Microsoft Pay within two (2) business days from when your replacement card is activated. To update Microsoft Pay and not wait the two (2) business days for the automatic update, manually remove the existing card and add the new card to the Microsoft Pay app.