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now we know who to blame.Wonderful. Bought an iPad there on black Friday. Probably the first time I'd set foot in a Target in at least a year, and this happens.
CVV is a secret number imbedded in the magnetic strip. Visa calls the 3 digit code on the back a CVV2. Different things.
OK, thanks. For some reason, I thought the CVV was an extra security step for online purchases. Something in case someone was trying to use your information, without having the actual card.
The number is swamped. I keep getting disconnected. Yet to talk to a person.Keep us posted, We have a Target Debit Card too...
I'm not too worried about the potential threat of having the Target Card numbers stolen. Just going to monitor it, and may not even worry about replacing it. If anyone will quickly refund you for suspicious activity it would be Target since they were the ones responsible. The thieves were likely grabbing everything, but were more concerned with other cards.
I would have thought in 2013 people would have "everything they own" in at least 3-4 different places.
I don't think it is so much of it being wiped clean, it just is the pain of having to replace a card at this time of year. Some people may only have 1 card. And if that has to be replaced, it may take a week or so to get a new one. Not a good week for that to happen! And when the bank calls you, you don't have a choice. Happened to me a couple months ago. I have more than 1 card, but it was still a PITA, losing my ATM card due to a F'up by the bank.
No, I'm not a conspiracy type guy, but alot of what our economy is is based on faith and the perception that it all works. IF that starts taking hits..... I just wonder at what point we really need to call Jack Ryan, John McClain, and the rest of them to blow up a few things and say some awesome one liners to protect us.
I guess I just assumed most of us would have had some experience similar to that by now.
No doubt merchants need to better protect credit and debit card data. There are over 1,000 breaches each of the last several years (few as large as this one, though). Even with this, though, everything still "works". Ultimately, credit and debit card fraud is paid by merchants through interchange rates and by the card issuers the take the individual hits (for counterfeit cards, anyway). Consumers end up paying this by less favorable terms on credit cards and checking accounts and high prices at stores. As a percentage of transactions, fraud is quite low. It would have to get significantly worse before the faith in the economy is jepordized.
But as with anything else in life there will be hiccups. I'm not even sure if it's realistic to expect flawless execution through your lifetime. As with anything else it's probably smart to set up a system of redundancies to be prepared for that inevitable hiccup. You should probably have an uninterrupted power supply to your computer, you should probably have a few gallons of drinking water just in case, you should probably have a second banking account and credit card, etc.
If you call your bank they likely will be happy to block your card and order a new one. They might do this anyway or they might just monitor your account more closely (which means unusual valid transactions are more likely to decline and/or you might get some calls).
This is why I do as much purchasing as I can on our AMEX. Never had a problem with something like this. And if I do, they send me a new card and we are all set. Nice buffer between the purchase and my bank account. Nice for refunds too!
That's funny, the exact card I use now as well. All the advantages you mentioned and a bunch of holiday promotions going on now as well. Couldn't be happier since making the switch but in very rare instances I do have to break out the visa because they don't accept AMEX.
