@Dany I think the exact process depends on the provider? Eg. with NS Flex they automatically ship you a replacement card (for free) without needing to request one.
@Dany Huh, that is very odd - mine was renewed only a few months ago and I don't think I had to do that? Must be a very new change in policy then, I guess.
@joepie91 NS request you to upload a new photo nowadays. E-mail notifications for that went to spam and the paper letter arrived only after the deadline.
Customer serves pointed me to the hellhole that is OV-chipkaart.nl