Yeah I am sure as shit not canceling my card, and certainly not today when everyone and their mom is flipping Target's shit. Target will be responsible for any fraud on my card. I don't see any use in a prophylactic response.
Yeah I am sure as shit not canceling my card, and certainly not today when everyone and their mom is flipping Target's shit. Target will be responsible for any fraud on my card. I don't see any use in a prophylactic response.
i'm glad i'm not alone in this. i'd rather let them get their ducks in a row and retain my ability to return things than FTFO.
Yeah I am sure as shit not canceling my card, and certainly not today when everyone and their mom is flipping Target's shit. Target will be responsible for any fraud on my card. I don't see any use in a prophylactic response.
i'm glad i'm not alone in this. i'd rather let them get their ducks in a row and retain my ability to return things than FTFO.
Post by secretlyevil on Dec 19, 2013 16:13:45 GMT -5
I've been through actual fraudalent changes with AMEX, I'm not worried about it. Someone uses my AMEX number, we'll see it on Quicken and AMEX will sic' 'em.
Post by cattledogkisses on Dec 19, 2013 16:21:50 GMT -5
My card is a MasterCard, but I haven't heard anything from USAA yet. Fingers crossed. In the past as soon as there's been a whisper of data being compromised they're sending us a new card, and while I appreciate that they're on top of things, sometimes it gets absurd. I had 3 different credit card numbers (for my 1 account) in 2010.
Yeah I am sure as shit not canceling my card, and certainly not today when everyone and their mom is flipping Target's shit. Target will be responsible for any fraud on my card. I don't see any use in a prophylactic response.
Are you sure that Target will be responsible for fraudulent purchases made on your card at say Macys? Or www. canadapharmacy .com?
My concern is that I used a debit card not a credit card.
I didnt think debit cards had as good of protection? I dont use mine at most due to this...or magbe it's responsible for amounts after $100 or something.
I didnt think debit cards had as good of protection? I dont use mine at most due to this...or magbe it's responsible for amounts after $100 or something.
I think BofA protects debit like credit the problem is it's real time funds that I would lose not IOU funds.
I didnt think debit cards had as good of protection? I dont use mine at most due to this...or magbe it's responsible for amounts after $100 or something.
I think BofA protects debit like credit the problem is it's real time funds that I would lose not IOU funds.
oh that is good. but, yeah, it could take time to get them back so it could be an issue for many.
I didnt think debit cards had as good of protection? I dont use mine at most due to this...or magbe it's responsible for amounts after $100 or something.
From what I am reading, you are correct. Folks with debit cards get new cards stat, just in case.
As for credit cards, the warning is to pay very close attention to charges for several months because odds are an initial fraudulent charge will be small. The fraudsters will be testing the card to see if it works and counting on people not to report small erroneous charges. Once they know the card is live, they can sell it and someone else will start racking up charges.
Yeah I am sure as shit not canceling my card, and certainly not today when everyone and their mom is flipping Target's shit. Target will be responsible for any fraud on my card. I don't see any use in a prophylactic response.
Are you sure that Target will be responsible for fraudulent purchases made on your card at say Macys? Or www. canadapharmacy .com?
My concern is that I used a debit card not a credit card.
It's likely I only used my target card during this time, and no one could use that at Macy's or whatever.
But if I did use my chase card, Target would not be responsible* but Chase would cover me and recover the funds from the merchant (Macy's, canadapharmacy, whatever). I would doubly not cancel that card as its linked to a lot of stuff and a PITA to cancel for no reason. If I had used a debit card, the risk/benefit analysis would be different, as I could be out the cash while the investigation was pending.
*This is the normal contract, that the merchant who accepted the fraudulent purchase pays, but I wonder if Target will be held responsible at all since it's such a large and egregious breach. It may be too difficult to determine the source of the fraud, particularly at this high-fraud and high-transaction time of year. At any rate, Target probably is the merchant of plenty of the fraud, esp for Target cards, so it may be neither here nor there.
I didnt think debit cards had as good of protection? I dont use mine at most due to this...or magbe it's responsible for amounts after $100 or something.
I think BofA protects debit like credit the problem is it's real time funds that I would lose not IOU funds.
This is why I went to my bank, got a new debit card, and changed my PIN this afternoon. It took less than ten minutes and was far easier than checking my account multiple times through the day.