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My Credit Card Was Breached, Was Yours?


I have been getting really sick of all the warnings from various companies about the potential credit card leak from Target, but then I noticed a strange charge on my debit card…. I urge you to check your card to see if there has been a $9.84 charge from one of the companies below:

What Should You Do?

When I noticed the charge, I immediately contacted my bank and told them that the charge was fraudulent and I suspected it was related to the Target breach a few weeks ago. They confirmed that I was right and promptly cancelled my card. I then had the option for them to either send me a card in the mail or to go to my local bank for them to create one for me on the spot. I opted to go to the bank so I wouldn’t have to wait for my card to come in the mail. It may take a bit of waiting, but it is certainly simpler to live life with my debit card (after all, it’s the only form of payment my grocery store accepts other than cash).

If you notice a fraudulent charge similar to the one I experienced, call your bank immediately and let them know your card has been breached. They will put a permanent hold on your card and issue you a new one. Then, simply fill out a form that the bank should provide for you to get your money back that was stolen from your account.

Have you experienced a fraudulent charge recently?


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My name is Derek, and I have my Bachelors Degree in Finance from Grand Valley State University. After graduation, I was not able to find a job that fully utilized my degree, but I still had a passion for Finance! So, I decided to focus my passion in the stock market. I studied Cash Flows, Balance Sheets, and Income Statements, put some money into the market and saw a good return on my investment. As satisfying as this was, I still felt that something was missing. I have a passion for Finance, but I also have a passion for people. If you have a willingness to learn, I will continue to teach.


  1. Great thing that you not only check your cards/bank regularly, but that you are aware of your purchases.

    • Exactly! I bet many wouldn’t even notice a $10 charge to their account. Hopefully this post will prompt them to make a quick review of their bank statements.

  2. Yes, I shopped with my debit Visa card at Target during the breach, so I was especially concerned.

    I went to my local Chase branch, but they had run out of plastic to issue new cards immediately — so I had my card cancelled and received my new one already.

    In the meantime, I’d already moved money out of that account into another, and I had to alert all affected my monthly automatic debit companies (health club, Verizon, etc.) to switch the debits to another account.

    Thank God they didn’t get to my bank account, but I thank you for writing this post so people know what to look for.

    • Sounds like you didn’t want to see your card breached and made the change before anything happened. That was probably smart. I am glad I was affected though so I could warn everyone else about what to look for before a seriously large amount is deducted from their account.

  3. Sucks you were hit by the breach, but I’m glad you were able to get it taken care of quickly! I was once hit with credit card fraud with a $3,000+ balance transfer. Talk about freaky.

    • $3,000? Yikes! That would certainly freak me out!

  4. I had 2 charges on my credit card (used at Target during the breach). One was 19.99 and the other was 19.50. Funny thing is one of them was for a reoccurring charge for Intuit payroll services… now that seemed very weird. Many people (not your readers of course Derek) don’t check their bill, they just pay their minimum balance and wouldn’t notice $9 or $19 maybe for months.
    These stolen card numbers were made available for “anyone” to purchase online and there have been stories done about some who bought them and then attempted to use them – for literary purposes of course … but still. Target has more than just this to worry about now with the gift cards that were purchased not being properly authorized (and therefore no money on the cards) and the story about the San Diego Target store that had “office supplies” packed into the iPod and other electronic boxes — for a real surprise to the recipients on Christmas morning.

    • Thanks for the comment Johannah. Good to hear from you again. It’s too bad that people feel the need to steal their lifestyle rather than earn it. I secretly hope that this is the last experience I have with theft, but I know it won’t be. The lesson here is to always check you bank statement for curious charges!

  5. Funny thing you mention that. We recently had one of our oldest credit cards was used by a few people, including one charging a domain to GoDaddy (one that I didn’t request). Combined with several other fraudulent charges, and our CC company caught it all and shut down any charges on the account. All the charges were relatively small and we weren’t liable for an of them (and GoDaddy also reversed the charge).

    And many thanks for the linkback! 🙂

    • Sheesh. There’s more theft going on than I thought! I’m glad you got your money back though.

  6. We shopped at Target but with a RedCard that can only be used to shop at Target. I have asked my wife to look into changing the PIN.

    • That would definitely be a good idea. Thanks for the comment MB!

  7. My wife and managed to escape unscathed because we hadn’t shopped at Target, but my son used his debit card. The bank sent him notice that he was at risk and sent him a new card. He didn’t have any unauthorized charges, however.

    • Sounds like a very responsible bank. I kind of wish mine replaced my card before I had these issues. But, I did get the charges reimbursed and it wasn’t too much of a hassle. Thanks for the comment JT!

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