Not a great experience in that case; lots of the legacy banks also do it this way.
The end aim is to replace physical with virtual cards, therefore this limits customers experience and traction with virtual cards.
Scenario 1 (A prominently physical Card user) -
If their physical card is lost or stolen; the user is unable to use their virtual card as an alternative whilst waiting for physical to arrive.
Scenario 2 (A prominently virtual card user) -
If their physical card is lost/stolen; whilst they may not use often. Obviously they need to report and request a new one. However this shouldn’t penialse them and prevent them from using their virtual card still.
In this case a new virtual card should be issued immediately upon request.
Thanks for the link, should have checked that first! This is definitely something which needs to be reviewed, sooner rather then later!