<prompt> Human: I lost my credit card although I found it a few hours later and reported it to my BOA rep through online chat, and he cancelled the account for me and told me he will send a new one in the mail. I asked whether or not this would hurt my credit score, and he said it will not affect my credit score in anyways. But, today while browsing through old AskReddit thread, I found a tip that said not to cancel a credit card but just put it in hold as cancellling will put a red mark on your report. How true is this report? Am I misinformed by BOA rep?  <response>: Youre just getting a replacement card with a new number. 