– December 20, 2013
–Better Business Bureau has som
suggestions for Target customers who are concerned that their credit or debit cards may have been compromised by the data breach announced yesterday morning.
“With the holidays around the corner, there is a good chance Target shoppers have used credit cards to purchase gifts,” states Robert Shomphe, President and CEO of BBB New Hampshire. “If you’ve recently used a credit or debit card at Target, please don’t panic. Consumers are not liable for fraudulent charges on their accounts, but they may want to follow these simple steps to make sure their cards were not used fraudulently.”
After issuing a warning to consumers, Target is now working with banks and credit card companies to notify them which numbers were stolen. Expect to hear from your bank if your card information has been identified as compromised. Don’t hesitate to contact customer service with any questions via the phone number on the back of your card.
BBB suggests the following advice.
For those who shopped at Target with a credit card:
For those who shopped at Target with a debit card:
- Monitor your credit card statements carefully (go online; don’t wait for the paper statement).
- If you see a fraudulent charge, report it to your bank or credit card immediately so the charge can be reversed and a new card issued.
- Keep receipts in case you need to prove which charges you authorized and which ones you did not.
- Do all of the above as for credit cards, but pay very careful attention to your account, as debit cards do not have the same protections as credit. Consider pre-emptively requesting a new debit card or putting a security block on your account.
For all consumers:
Scammers will likely try to take advantage of this highly public event. Be careful if contacted by Target, your bank or your credit card issuer, telling you that your card was compromised and suggesting actions to “fix” the problem.
- Check before you click. Phishing emails may attempt to fool you into providing your credit card information or ask you to click on a link or open an attachment, which can download malware designed to steal your identity.
- Don’t click on any email links or attachments unless you are absolutely certain the sender is authentic.
NOTE: Target is a BBB Accredited Business and a National Partner of the Council of Better Business Bureaus.