What to Do If A Victim of the Target Breach

Target and several other retailers recently were victims of data breaches over the holidays. What should you do?

  1. If you used plastic at any of them, especially at Target, monitor your account daily by logging in online to check out if there any unauthorized charges on your cards.
  2. Accept the credit monitoring service your card offers, but only if it is a legitimate offer; be careful with emails that could be trolling for personal information. Through various breaches my wife and I have had over the years, we have had the monitoring service free, but we’ve never had an unauthorized use or an ID theft.
  3. Notify your bank and tell them what is going on; they may issue you a new card.
  4. Change your personal identification number (PIN).
  5. If you are sure your account has been compromised, you may want to freeze the account for 90 days.
  6. If your credit card information has been stolen, such as at a local retailer or from your purse or wallet, call the police and file a report. This may be necessary to get your money back from your bank.

What should you do to protect yourself from credit card information theft? See the next article.


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