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-   -   Rant, Target (https://www.yorkietalk.com/forums/off-topic-discussions/271224-rant-target.html)

IDPiper 12-22-2013 03:27 PM
My son's bank caught his as they were trying to drain his bank account and notified him immediately. Some people are just pathetic!!

capt_noonie 12-22-2013 03:29 PM
Quote:
Originally Posted by crystalsmom (Post 4364503)
I do my banking on the internet and check it every day, only because I pay for great protection and have never had a problem in all the time I have been doing it this way. I did not shop at Target but it's the next store that will come up been hit that we have to guard ourselves against.

I pretty much limit mine to Amazon.com and Macy's but I think I will stop shopping at Macy's or use my visa there and limit it to one card, a department store card charges more interest and not smart of me to use it anyway.

I bet Amazon.com has called in the best in the world to overlook this mess that could some day be theirs if they don't put some 'stops' on it.

As far as banks go, I really like Chase, they have always been more than fair with me and can't complain now. Since they will refund anything a customer will lose because of this when many banks will not, they can't have people pulling out just any amount they want. I agree though, it is harder at this time of year.
I used to have a Chase acct and one day it was compromised. My friend worked at one of the branches and she had me come in and sign a affidavit and the money was put back in the next business day, new card in the mail, asap. Few days later I had the same issue with my BofA acct. I went in the branch and could not get anyone to help me. They pointed me to a phone to call it in. They would not do anything. I called again from home and got transferred a million times, each time telling me I transferred to the wrong place and they need to transfer me again, or that I called the wrong number it wasn't the number for CA, even though I called the number listed on the back of the card etc etc.

Needless to say after a long time on the phone I finally got my $20 back, and I closed that account.

I would not wait to change cards if you shopped at Target. Those people can hold your acct info for a while and use it later and you will be SOL.

crystalsmom 12-22-2013 05:58 PM
Quote:
Originally Posted by capt_noonie (Post 4364526)
A snip from capt_noonie's post

I would not wait to change cards if you shopped at Target. Those people can hold your acct info for a while and use it later and you will be SOL.
:thumbup::thumbup:....

Rhetts_mama 12-22-2013 06:05 PM
I go to target a couple of times each week. The dates that this breach occurred also coincided with me doing a bunch of Christmas and birthday shopping. Needless to say, I'll be watching my card transactions like a hawk and will be calling B of A tomorrow to tell them I "accidentally" washed my debit card...

McheleM 12-22-2013 11:46 PM
Just so it's said, breeches occur everyday with every store. No one is safe as long as hackers exist.

IDPiper 12-23-2013 05:35 AM
Quote:
Originally Posted by Rhetts_mama (Post 4364593)
I go to target a couple of times each week. The dates that this breach occurred also coincided with me doing a bunch of Christmas and birthday shopping. Needless to say, I'll be watching my card transactions like a hawk and will be calling B of A tomorrow to tell them I "accidentally" washed my debit card...
If you do that they will more than likely just issue a replacement card with the same numbers on it which will do no good if they have your debit card # already. My hubby lost his and didn't want to cancel and the bank said that if he didn't cancel that they would not cover fraudulent charges made on his lost card. Just something to think about.

crystalsmom 12-23-2013 07:55 AM
Quote:
Originally Posted by IDPiper (Post 4364739)
If you do that they will more than likely just issue a replacement card with the same numbers on it which will do no good if they have your debit card # already. My hubby lost his and didn't want to cancel and the bank said that if he didn't cancel that they would not cover fraudulent charges made on his lost card. Just something to think about.
You beat me to it, yes I'm sure she would just get a replacement card.

Magnus 12-23-2013 11:03 AM
Quote:
Originally Posted by DBlain (Post 4364468)
I am not a Target shopper so I guess I am glad now. I said this before on YT I don't understand why people use debit cards at all unless to get cash out of a bank machine, or I guess if you can not qualify for a cc card.

I pay may balance off each month and get very lucrative rewards back. If I used a debit card I loose my money the day I make the purchase, with no cash back incentives. Also if you loose your cc the worst that can happen is charges occur on it, and when you find out they take them off. With a Debit Card your savings can be wiped out and checks could bounce long before you get your bank to reimburse you. I pay every bill on can on my CC. As a result we have two free tickets to San Fan and two Free tickets to Salt Lake City in 2014 2 Free nights at the Hyatt in San Fran and 2 free Nights in Napa Valley, along with $210.00 gift card from Costco Am X.

I know this thread was about being pissed at Target and I don't blame you, but I can't help but wonder why so many people use a Debit Card instead of a Credit Card.
:thumbup:

A friend who got his debit card used at some toys r us store. The charge was for few hundred dollars. Long story short, the bank wouldn't give him his money back. I think the bank told him the charge had to be a certain amount (couple/few thousand dollars) in order for them to "investigate" and give him the money back.

I had a charge of $0.01 on one of my CC that I did not authorize. I mean... who charges $0.01?! I called the CC and right away, they closed the account and refunded that one cent. No question asked.

TxVicki 12-23-2013 01:00 PM
Quote:
Originally Posted by Magnus (Post 4364831)
:thumbup:

A friend who got his debit card used at some toys r us store. The charge was for few hundred dollars. Long story short, the bank wouldn't give him his money back. I think the bank told him the charge had to be a certain amount (couple/few thousand dollars) in order for them to "investigate" and give him the money back.

I had a charge of $0.01 on one of my CC that I did not authorize. I mean... who charges $0.01?! I called the CC and right away, they closed the account and refunded that one cent. No question asked.
That is the way thieves test your card to see if it's a working card.

Magnus 12-23-2013 08:40 PM
Quote:
Originally Posted by TxVicki (Post 4364862)
That is the way thieves test your card to see if it's a working card.
Didn't think of that... Fortunately, my dad drilled in me to check my CC statements often so I caught it the day after the charge was made. I check ALL my bank/CC accounts several times a week.

celstu1 12-24-2013 06:44 AM
Quote:
Originally Posted by Maxwell2405 (Post 4363834)
Used my cc there twice during that time. Tried to cancel the card today and was told my bank has instituted charging a $5 fee to get your card replaced pro-actively like this. But if I wait they get official notification from Target that our card was compromised, they will replace it for free. Pretty irritated at my bank right now.
Is it Bank of America??? ;) I hate that bank! They charge a fee for EVERYTHING!

I have a Target near me, we checked our bank accounts, debit card & credit card statements to see if we used a card there during that time frame, I am so happy that we did not.

Also, you may get paid back by Target for any fraudulent charges, but that could take MONTHS to get, in the meantime, your bills are coming and you can't pay them, everything snowballs! AARRGG!

TxVicki 12-24-2013 08:05 AM
Quote:
Originally Posted by Maxwell2405 (Post 4363834)
Used my cc there twice during that time. Tried to cancel the card today and was told my bank has instituted charging a $5 fee to get your card replaced pro-actively like this. But if I wait they get official notification from Target that our card was compromised, they will replace it for free. Pretty irritated at my bank right now.
I had to come back to this post as I saw another thing that didn't sound right besides the fee your back wants to charge. Just so you know Target has no idea who's cards have been compromised, it could be any/all of the 40 million people that shopped. Target does not notify the banks, it is your responsibility to monitor your account.

capt_noonie 12-24-2013 09:56 AM
I also hate B of A.

crystalsmom 12-24-2013 03:47 PM
Beware, there is an email going out that looks like it is from Target but it is not them, it's a scam trying to get your information. From: NBC News tonight.

capt_noonie 12-24-2013 04:23 PM
OMG those POS crooks. It never ends does it?

Lovetodream88 12-24-2013 08:00 PM
You would think that with all the work people put into this kinda thing they could get a decent job.

DBlain 12-25-2013 09:12 PM
Quote:
Originally Posted by Lovetodream88 (Post 4364482)
My parents paid off all there credit cards and got rid of them it's to tempting to spend what you don't have with credit cards and some of them rip you off.

I guess if someone has no self control on spending that would be another good reason not to have a cc. Some cards have high interest rates so that could be a considered a rip off, but when paying it off each month that's never a problem. I just love the rewards I get but most of all it's the peace of mind knowing that retailers don't have easy access to my bank account.

capt_noonie 12-26-2013 02:29 PM
Quote:
Originally Posted by DBlain (Post 4365587)
I guess if someone has no self control on spending that would be another good reason not to have a cc. Some cards have high interest rates so that could be a considered a rip off, but when paying it off each month that's never a problem. I just love the rewards I get but most of all it's the peace of mind knowing that retailers don't have easy access to my bank account.
You have to understand that the majority of people can't/don't pay off their CC in full every month. It's not always about no self control. Sometimes things come up. That's what the CC companies are banking on.

McheleM 12-26-2013 04:39 PM
Quote:
Originally Posted by capt_noonie (Post 4365860)
You have to understand that the majority of people can't/don't pay off their CC in full every month. It's not always about no self control. Sometimes things come up. That's what the CC companies are banking on.
Sometimes people have to pull the paid off/emergencies only card out of the freezer and use it because there's no other way to pay bills!!

Lovetodream88 12-26-2013 04:52 PM
Quote:
Originally Posted by capt_noonie (Post 4365860)
You have to understand that the majority of people can't/don't pay off their CC in full every month. It's not always about no self control. Sometimes things come up. That's what the CC companies are banking on.
:thumbup: yep

capt_noonie 12-26-2013 05:02 PM
Quote:
Originally Posted by McheleM (Post 4365889)
Sometimes people have to pull the paid off/emergencies only card out of the freezer and use it because there's no other way to pay bills!!
Yup exactly. And that reminds me. I just got a letter from Care Credit telling me they lowered my credit limit by half! :thumbdown Fine then I just won't use it then. I get a measly 1% cashback from my Paypal card but that's 1% more than from CC and if they want to do that to me then so be it.

sandy simpson 12-26-2013 06:47 PM
dog
 
I wonder if people who signed up for the red card 5% discount are more in jeopardy. They had to give out more info to get that card. I did not do that but I shopped at Target. My husband said not to worry about it. So I am chillin until I see some idiotic activity by some dishonest person who cannot respect other people's property. Too bad we have to deal with such low lifers. The hound of heaven sees them and will get them in the end. We reap what we sow!

McheleM 12-26-2013 08:39 PM
Quote:
Originally Posted by capt_noonie (Post 4365897)
Yup exactly. And that reminds me. I just got a letter from Care Credit telling me they lowered my credit limit by half! :thumbdown Fine then I just won't use it then. I get a measly 1% cashback from my Paypal card but that's 1% more than from CC and if they want to do that to me then so be it.
We just decreased my sewing card and increased the care credit in case we needed it for Allie. Then I'll be using it for surgery for me..

crystalsmom 12-27-2013 11:47 AM
A year ago, I decided to ask myself before I pulled out a credit card "do I really need this" it has worked really well. When it doesn't work is at Christmas and I want to buy for the little one.....oh 11 months out of the year is pretty good.

Those out of work have little choice, however being retired I am in a way out of work and on a fixed income with little give at all.

I don't travel like I used to but I do travel to Florida once a year to see my Son and family so I have to have 1 credit card, there is not way around it. I tell them not to keep adding credit to it unless I ask them though since I don't want the temptation.:eek:

capt_noonie 12-27-2013 01:49 PM
Quote:
Originally Posted by McheleM (Post 4365971)
We just decreased my sewing card and increased the care credit in case we needed it for Allie. Then I'll be using it for surgery for me..
My limit is now $1500, if an emergency would arise, that would eat up that right away. But better than nothing I guess. Everyone else canceled on me a few years ago, and I was surprised I got approved for $3000 when I first applied. CC is my only card now.

capt_noonie 12-27-2013 05:12 PM
PINs have been compromised as well.

Target: Customers' encrypted PINs were obtained - Yahoo Finance

DBlain 12-28-2013 02:03 PM
Quote:
Originally Posted by capt_noonie (Post 4366412)

I saw that as well and that is scary, but I would hope that when this info first came out that everyone changed their pin number right away.

since I do not shop with a debit card and the only one I have does not have a visa/mastercard logo on it, I am out of the loop on how it works now. When they first started issuing visa/debit cards they said that the beauty of it is when at a retailer you don't need to use a pin, you just swipe it like a credit card, is that still how it works??? I was also thinking some of you much younger members might be confused by my posts because now it seems like all the debit cards have a credit card logo, but for older people like me that have had them for 10 or more years when they first came out they did not look like a visa or mastercard and you could not use it at many places.

capt_noonie 12-28-2013 02:50 PM
Quote:
Originally Posted by DBlain (Post 4366806)
I saw that as well and that is scary, but I would hope that when this info first came out that everyone changed their pin number right away.

since I do not shop with a debit card and the only one I have does not have a visa/mastercard logo on it, I am out of the loop on how it works now. When they first started issuing visa/debit cards they said that the beauty of it is when at a retailer you don't need to use a pin, you just swipe it like a credit card, is that still how it works??? I was also thinking some of you much younger members might be confused by my posts because now it seems like all the debit cards have a credit card logo, but for older people like me that have had them for 10 or more years when they first came out they did not look like a visa or mastercard and you could not use it at many places.
Yes that is how the debit cars with the visa or MC logos on them work. I used to also have a debit card without the logo. When it expired, the new ones were sent with the logo? How are you able to keep that one without the logo I wonder? Is it a small bank, or you have to specifically request it?

I use my debit card as a credit card. I sign for it instead of using my pin. Reason is I get cash back if I use it as credit but not as debit. The merchants get charged 3% (usually) for a credit transaction, whether it is an actual CC or debit card matters not. But merchants do not get charged if it is used as debit. So my bank wants me to use as credit so they get 3% from the merchant, and I get 1% from the bank. However, that said, 99% of the time I use cash.

Lovetodream88 12-28-2013 03:04 PM
Quote:
Originally Posted by DBlain (Post 4366806)
I saw that as well and that is scary, but I would hope that when this info first came out that everyone changed their pin number right away.

since I do not shop with a debit card and the only one I have does not have a visa/mastercard logo on it, I am out of the loop on how it works now. When they first started issuing visa/debit cards they said that the beauty of it is when at a retailer you don't need to use a pin, you just swipe it like a credit card, is that still how it works??? I was also thinking some of you much younger members might be confused by my posts because now it seems like all the debit cards have a credit card logo, but for older people like me that have had them for 10 or more years when they first came out they did not look like a visa or mastercard and you could not use it at many places.
Even if they changed the pin then they could still use it as a credit card.

McheleM 12-29-2013 01:45 AM
Quote:
Originally Posted by capt_noonie (Post 4366310)
My limit is now $1500, if an emergency would arise, that would eat up that right away. But better than nothing I guess. Everyone else canceled on me a few years ago, and I was surprised I got approved for $3000 when I first applied. CC is my only card now.
I had a sewing one with a 5600.00 limit...they raised it themself after us charging, paying, charging, Paying-it has 36 months no interest on the charges. I had them reduce it to 1500.00 (I'm not buying anything sewing related that I need it for) and then increased the CC to $5000.00. It was originally at $3000.00. Of course I used half of that on vet care and emergency vet for her and will use it again for checkups, tail docking and vaccinations, etc. It goes quick. Luckily the other one has no balance so any payments we were making on it will go to the CC. And the larger charge has 24 months no interest.


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