Bank of America Bank Account Or Service Complaint

Bank of America Bank account or service department,

Other bank product/service Account opening, closing, or management Illinois

Dear Sir or Mis In - I received a new Business credit card from Bank of America because my old card was do to expire in -/-/2017. I activate the new card but then stripped the new card by mistake when I call Bank of America they send I would receive a new card in two days. Three days I got a call from the compliance dept. stating they would have to pull my credit report before I could get a new card. I am a ID victim so requiring me to unlock my credit and take a hard it on my credit. On Bank of America web site I can see my credit score every time I log in. I have mortgage and a personal credit card with Bank of America. I was told if I lost my credit card or if it was damage there was no need to take hard hit on my credit score. My question is why is it necessary to take a hard hit to lower my credit score because I made a mistake with the new card