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What To Do If Your Credit Card Was Hacked


Business  (tags: americans, business, consumers, credit cards, dishonesty, economy, finance, HACKING, law, money, society )

Kit
- 244 days ago - money.cnn.com
As many as 40 million Target shoppers who hit stores in the three weeks after Thanksgiving had their credit and debit card information stolen.



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Comments

Kit B. (277)
Thursday December 19, 2013, 10:41 am
Image Credit: Target logo, target brand logo.


4 things to do after your credit card has been hacked (Watch the Videos)

NEW YORK (CNNMoney)

As many as 40 million Target shoppers who hit stores in the three weeks after Thanksgiving had their credit and debit card information stolen.

If you've visited a Target (TGT, Fortune 500) over the past several weeks, there are four steps you should take immediately to protect yourself.



1) Check your statement. It may seem obvious, but the first step you should take is looking for any charges you don't recognize on your statement.

Don't just look for large charges, either. Hackers often ping an account with micropayments of only a few cents to check the viability of the account. So if you see purchases of 6 cents or 11 cents, that could be a sign your information has been compromised.


2) Call your credit card company, bank and Target. Credit card companies generally offer customers fraud monitoring services at no cost, and customers aren't on the hook for any fraudulent charges. Typically, the card issuer or the merchant is responsible for those costs.

But don't wait for your card company or bank to call you. Let them know you've shopped at Target recently. All you have to do is call the number on the back of your card.

Target has also set up a phone line for customers who suspect there has been unauthorized activity on their accounts. ****Shoppers can call 866-852-8680****


3) Replace your credit card, change your PIN. If the bank didn't already do this for you, do it yourself. This will put an end to any more fake charges.

Once you receive your replacement card, make sure to update your new card information with any companies that have your account on file for automatic payments or monthly fees, like your Apple (AAPL, Fortune 500) iTunes account or cable provider.

4) Sign up for a fraud monitoring service. If you're concerned about credit card theft going forward, LifeLock and other similar threat detection services claim that they can monitor your card activities and alert you when your account has gotten into the wrong hands. Most credit card companies offer similar services for free, but threat detection services say they go above and beyond, including offering protection of credit card information on the Internet and even lost-wallet insurance.
****

By: Emily Jane Fox | CNN Money |
 

Kit B. (277)
Thursday December 19, 2013, 10:42 am

Be pro-active and check every purchase. Often hackers make many small purchases hoping to go unnoticed.
 

Chaz Berlusconi (72)
Thursday December 19, 2013, 10:49 am
it is awful to find that happen and the banks need to put in more security for their clients
 

JL A. (275)
Thursday December 19, 2013, 11:07 am
good to know--thanks Kit!
 

GGmaSheila D. (152)
Thursday December 19, 2013, 12:22 pm
Don't have Target card, but this info is good to have regardless of what card you have. This reminded me to change my passwords and pins - usually do it once a year. Thanks.
 

NicoleAWAY W. (625)
Thursday December 19, 2013, 12:34 pm
good info, ty dear Kit
 

Barbara K. (88)
Thursday December 19, 2013, 12:52 pm
Wow, I'm so glad I haven't shopped there for a year or more. Thanks for the info, my friend.
 

Kit B. (277)
Thursday December 19, 2013, 12:58 pm

I think this should be considered a warning. No matter what card you have, unless you pay with cash, you can be hacked.
 

Mike M. (55)
Thursday December 19, 2013, 2:18 pm
Just call and have the credit card number change now do not wait. Be safe act first
 

cecily w. (0)
Thursday December 19, 2013, 3:11 pm
Thank you, Kit. Very timely.

This doesn't happen only with a widely publicized group hack. My credit card was hacked in mid-November (not in with the Target mess). The bank acted quickly, and I had a new card BEFORE I got my monthly statement. If you can get electronic access to monitor your account, you don't need to wait for your statement to spot fraudulent charges. (I check mine routinely once a week, and more often if a situation is "hot".)
 

pam w. (191)
Thursday December 19, 2013, 3:16 pm
Thanks, Kit!
 

Marianne R. (102)
Thursday December 19, 2013, 7:39 pm
Thank you, Kit.
 

Amy Fisher (11)
Thursday December 19, 2013, 8:05 pm
Thank you. I was horrified to learn about this because I was in Target last week and used my Target card. I've already checked my latest statement and changed all my personal security info on their website, but I am definitely going to do more.
 

Robert O. (12)
Friday December 20, 2013, 12:55 am
These are definitely 4 things I would do (after the initial panic has worn off of course). Thanks Kit.
 

Jonathan Harper (0)
Friday December 20, 2013, 4:46 am
ty
 

Micheael Kirkbym (85)
Friday December 20, 2013, 10:34 am
Noted
 

Roger Garin-michaud (61)
Friday December 20, 2013, 1:42 pm
twitted, plusoned and noted, thanks
 

ONBrakNoMESPLEZ D. (81)
Saturday December 21, 2013, 8:27 pm
All good Information! Thank You Kit
 

Brian Smith (0)
Wednesday July 23, 2014, 2:47 am
If your credit card was hacked you must close your credit card. If someone took a loan with the help of your credit card you should pay back this loan in a short term or simply try to pay back it. My friend was in the same situation and he took short term money online for paying back this loan. Itís very unpleasant to pay back the loan which you didnít take but you have to do this. And my advice for you for future: donít use credit cards, pay by cash.
 
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