Target Redcard Hacked: What Should You Do?

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Postby MemberSince99 » Sat Dec 21, 2013 7:55 am

I just read how Target issued a statement saying victims would not be held responsible for any fraud.

Gee that's mighty wonderful of them, not expecting victims of theft to pay for the thieving. What next, a statement from the police stating people not pulled over for violations won't receive a citation?

I mean are they thinking that's doing us some kind of favor or something way above and beyond? Of COURSE you aren't liable for fraud! What the hell. The law even says so, so they want to be portrayed as angels for following it?

Gimme a break it's about as phony as when I worked retail as a stockboy in the 80s (I was an even bigger loser then) for the minimum wage, and the place I worked for (one that is national and most of you would recognize the name) pretty much demanded every employee donate from our low wages (part time, 3.35 an hour then) to give to United Way, so that they could achieve 100% participation and get a plague that went in the customer service area thanking them for donating. First of all WE the minimum wage workers donated, but the company gets the plague. Second, there were people trying to support a family on that money the irony of it is, they should have been the ones getting charity, not being expected to give what little they earned. What a joke. So when you see those plagues and the company is trying to make like they are the good guys, know the truth of who REALLY paid for it.
Kind of a side story but retail loves to deceive. The store manager once said he could cut prices in half and still make a profit.

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Postby djrez4 » Sat Dec 21, 2013 9:47 am

Got this overnight:

Dear Chase Customer:
We're reaching out to let you know what we're doing to help protect your account after the data breach announced by Target on some credit and debit cards used at Target stores between November 27 and December 15.

Here's what you should know:
All your Chase cards have our Zero Liability Protection. That means you're not liable for unauthorized transactions you report to us.

You don't need to call us at this time unless you see transactions you don't recognize. We're using our sophisticated fraud-monitoring tools to look for abnormal spending and ATM patterns. That helps us block fraudulent transactions.

We'll let you know if we see unusual activity on your account.

We'll send you a new card if we determine that's necessary.
Here's what you should do:
Continue using your Chase card.

Monitor your account -- including using or Chase Mobile -- and let us know if you see any transactions you don't recognize.

Enroll in our free Account Alerts* in the "Customer Center" section at and we'll let you know about specific activity in your account.
As always, thank you for your trust.

Jennifer Myhre
Senior Vice President
Chase Consumer and Community Banking
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]

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Postby Mrm-na » Sun Dec 22, 2013 11:58 am

I used a Barclay card at Target during the affected time frame. They're basically taking the same position as Chase in the post above. They're well aware of the issue so unless I see a fraudulent charge I'm not going to panic. Perhaps I'm being naive but I use and watch the card frequently so I'm confident I'll notice if anything strange shows up.

I thought I had also used my debit card, and that had me worried. But I checked my account and turns out I was wrong. It was KMart. I always mix those stores up in my mind, in fact on the day in question I'm pretty sure I first drove to Target by accident. :)
This situation does make me glad that I switched to using credit cards instead of using my debit everywhere. The reason I used the debit at KMart was because of a temporary offer that showed up on that account.

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