I'd bet if you look at your cards they say they are the property of the bank. That reinforces the ability Brian mentioned.
I would urge you to ensure management is informed of the decisioning process when the bank refuses to reissue. I think it's a smart move, but you want to be on the offensive if there is a complaint made and accounts closed. This is where Compliance and Marketing can play Rock em Sock em Robots.
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AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell