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Target Breach Christmas Nightmare Tips for Consumers on Handling their Credit Cards
Date:12/20/2013

(PRWEB) December 20, 2013

The data breach at Target stores is a nightmare of a Christmas present to up to 40 million store customers. Shoppers at the store between Nov. 27 and Dec. 15 might have had their account data taken, including names, credit and debit card numbers and the expiration dates. The three-digit security codes on the back of the cards might also have been taken in the breach. American Financial Solutions, outlines what to do if someone has been impacted by the breach.

Those who possibly were affected should take steps to make sure there is no impact. The first and most important step anyone should take with news of the breach is to determine whether you might have shopped at Target during those times. If someone did they should monitor their accounts closely, making sure you are not seeing charges or purchases you did not make.

If there are transactions that are not recognized, report it immediately to the financial institution that issued the card. Card owners might consider also contacting Target at 866-852-8680. If fraud is detected, contact the Federal Trade Commission and fill out the agency’s Identity Theft Victim’s Complaint and Affidavit.

The State Attorney General’s office might also be a worthwhile place to report problems. Check the state’s website to find the attorney general’s site and then look for the consumer protection section. Many states have easy forms people can fill out to report consumer problems, including fraud.

For those wishing to prevent being affected by a problem like this one, one of the only ways to do it is to pay in cash as often as possible. Not only does paying in cash make people almost invulnerable to potential fraud, people spending with cash spend less, according to Forbes Magazine, so people end up saving money.<
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