Great question. You may be liable fr any unauthorized transaction if you fail to report unauthorized charges within 60 days after the bank statement is sent to your address. Contact your bank for more information if you would like to request a new debit card or put a security block on your account.
Unfortunately there is no true way to prevent scammers from lifting credit card information. The best way you can protect your identity is to be vigilant about your accounts online and carefully keep track of your purchases.
Typically an account holder finds out at the time of transaction when the card is denied at the time of purchase. When the cardholder contacts the bank, they will find out the card was used by another person in another location. Or, if you are checking online, you'll see charges that do match up with purchases you made at retailers. Bottom line is, keep your receipts and match them up with your bank statements.
Very good question. BBB recommends to review your statements immediately to verify all the purchases were yours on your credit and debit accounts. Especially your debit account since it is tied to your checking/savings account. If anything looks suspicious, contact your bank. Also, request a credit report from the credit bureaus for any fraudulent activity.
The bank should follow up with you on any additional steps you should take and should issue you a new credit card. It probably wouldn't hurt to request a credit report at some point to make sure everything is reflected accurately.
It should be noted scammers will likely use this highly public event to create emails purporting to be from Target, your bank or credit card issuer stating your card was compromised and suggesting actions to "fix" the problem. These phishing emails may attempt to fool you into providing your credit card information or ask you to click on a link or attachment. Do not do it!
Unfortunately, BBB does not know who was behind the Target credit breach. At this time we know they are investigating the situation. More information can be found on Target's website.
We're sorry you had trouble getting through. If it is a Target related question, the number we have is 866-852-8680. If you are concerned about your credit card information being stolen, contact the Federal Trade Commission, 877-4384338 or visit www.consumer.gov/idtheft