"Since Monday, I've been racking my brain. Where did I go? What did I do? How did this happen? And then when this came out, I said that has to be it. I mean, it just has to be it."
Our cameras caught Jennifer Hatch filling her cart with Thanksgiving Day deals. Then earlier this week, she got a call from her bank.
"They said we have some fraudulent charges on your card that we want to ask you about. They said, 'The first one is for $4.32 at Amsterdam bank. Are you in Amsterdam?' and I was like, um no I'm not... The next one was over $660 from some sort of airline or travel agency that Arvest actually blocked and would not let go through my account because they knew it was fraudulent... I'm going to tend to be a little bit more cautious and probably use cash at a lot more places that I go."
Thankfully, Hatch is not out hundreds of dollars.
"We very proactively monitor card activity... We're able to call them and let them know. I've had it happen to me personally and had a call from our area that does the tracking and they let me know," said Gaye Wilcox, Sales Manager for Arvest Bank in Fayetteville and Executive Vice President.
Whether you used your card at Target once or five times during the compromised time frame, your information might be at risk. If there are any suspicious swipes, Wilcox shared what you should do.
"The most important thing that you do when you think your card may have been compromised for any reason, look at your activity... and if you see any transactions that you are not sure that you conducted yourself, then certainly call your bank."
She went on to say there is no need to close your account as long as you are monitoring it and if you have not had any fraudulent charges on your card, there is no need to cancel it and order a new one. Ordering a new debit card essentially kills your current card number, so you would be without a debit card until you receive the replacement. Not having your debit card handy can be a hassle, especially during the holidays. If you are looking to replace your cards just for peace of mind, Wilcox said to call your bank and they would be happy to help.
Since Hatch's debit card was compromised, she ordered a new one. Her bills and mortgage were all connected to that card number, so all week she has been contacting each company to give them new information. Even with the stressful situation at hand, she still plans to pay with plastic.
"It's Target. It's a big corporation. It had to have been really hard to hack into their system, so I highly doubt that it would happen again."
And her bargain-shopping spirit has not been hampered.
"If they have a really good deal again, I will be there again on Grey Thursday. I will be there again."
Another piece of information that is reassuring for some shoppers, is the fact that VISA does have a Zero Liability policy on their credit and debit cards. That means customers do not have any liability on fraudulent transactions.
As far as concerns of identity theft, it does not seem like the Target hackers were able to access account numbers, social security number or addresses. Typically in these types of situations, it is solely the card information that is exposed.
Click here for the full release from Target.