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(TwinCities.com)   That whole Target thing just keeps getting worse: scammers are now emailing, texting and calling those affected saying they're from Target, the bank, or other places. Nigerian Princes are so erect they need medical attention   (twincities.com) divider line 139
    More: Followup, Nigerian prince, Target, scams, unsolicited email, corporate website, pins, texting, YouGov BrandIndex  
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6461 clicks; posted to Main » on 23 Dec 2013 at 8:59 PM (43 weeks ago)   |  Favorite    |   share:  Share on Twitter share via Email Share on Facebook   more»



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2013-12-23 08:04:17 PM  
All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.
 
2013-12-23 09:02:17 PM  

Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.


I live in Texas and mine was used fraudulently in Tennessee. I'm watching you and your drink.

/seriously it was
 
2013-12-23 09:03:00 PM  
Don't name your store "Target".
/just sayin'
 
2013-12-23 09:03:07 PM  
The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.
 
2013-12-23 09:03:58 PM  

Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.


You put a soda on a card?

You're part of the problem. Carry 1.29 around, just in case.
 
2013-12-23 09:04:19 PM  
It's gonna suck being Target for awhile. Their stock is taking a hit since this happened.
 
2013-12-23 09:05:17 PM  
i'm so glad the only time i've been to target in the last 4 months I used cash. 

/thought I had used my card, turns out I used a gift card I had won 7 months prior
 
2013-12-23 09:06:40 PM  

orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.


I haven't followed this, because I don't shop at target...but what is their fault in this? What I've heard is they got hacked, immediately notified everyone, and are working diligently to make it right. Are they somehow at fault for the hacking? Poor security or some such?
 
2013-12-23 09:07:41 PM  
ts4.mm.bing.net
What a scam might look like.
 
2013-12-23 09:08:09 PM  
Jokes on them I don't have any money to steal.
 
2013-12-23 09:08:12 PM  

inclemency: Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.

You put a soda on a card?

You're part of the problem. Carry 1.29 around, just in case.


1.29? I wish. Just went up to 1.35 here. BEFORE tax. Where are my pearls?

/haven't carried cash in a decade. Why bother?
 
2013-12-23 09:11:14 PM  

NIXON YOU DOLT!!!!!: inclemency: Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.

You put a soda on a card?

You're part of the problem. Carry 1.29 around, just in case.

1.29? I wish. Just went up to 1.35 here. BEFORE tax. Where are my pearls?

/haven't carried cash in a decade. Why bother?


You're right. People need to know you prefer pepsi for marketing purposes.
 
2013-12-23 09:11:42 PM  
Feeding frenzy.
 
2013-12-23 09:12:52 PM  

orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.


The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.
 
2013-12-23 09:13:50 PM  

inclemency: NIXON YOU DOLT!!!!!: inclemency: Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.

You put a soda on a card?

You're part of the problem. Carry 1.29 around, just in case.

1.29? I wish. Just went up to 1.35 here. BEFORE tax. Where are my pearls?

/haven't carried cash in a decade. Why bother?

You're right. People need to know you prefer pepsi for marketing purposes.


Accept no substitutes!

But seriously, why bother? I know there's the transaction costs built in...but at this point were paying for those regardless. Cash I can lose or get stolen. My cards? One phone call and I'm not liable for anything.
 
2013-12-23 09:17:13 PM  

orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.


This is why you should never use a debit card -- when the number gets stolen it locks up your bank account for a few days.
 
2013-12-23 09:17:35 PM  
If someone stole my credit card info, I hope they shopped at Amazon.  I get 5% back this quarter!
 
2013-12-23 09:19:00 PM  

Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.


That's been my reasoning too. I have a debit card so that I can get cash while I'm out should I ever need to, but I don't swipe it or use it online otherwise. Credit seems to have more protections.
 
2013-12-23 09:19:55 PM  

WTFDYW: It's gonna suck being Target for awhile. Their stock is taking a hit since this happened.


Uh huh
Keep slamin' them and driving the price down.
I hope to make as much on this as I did on BP
 
2013-12-23 09:20:22 PM  

pyrotek85: That's been my reasoning too. I have a debit card so that I can get cash while I'm out should I ever need to, but I don't swipe it or use it online otherwise. Credit seems to have more protections.


Yes, good point. I do carry my debit card for ATM withdrawals (which are getting rare these days) but I never use it for a purchase.
 
2013-12-23 09:20:46 PM  
I got a $9.84 charge on a website - ONWSac.com - the site boasts great customer service and that's all - they also want you to call them if you have a charge from them on your card - they're apparently based in the UK and will charge you top dollar while they leave you on hold forever.

Needless to say I avoided them and just called the bank directly - canceled the card and got a whole new one.

Dirty rotten farking scamming pieces of shiat. I'd seriously love to beat these farkers senseless over and over again.  I don't think I would ever get bored of doing that.
 
2013-12-23 09:20:53 PM  

NIXON YOU DOLT!!!!!: inclemency: NIXON YOU DOLT!!!!!: inclemency: Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.

You put a soda on a card?

You're part of the problem. Carry 1.29 around, just in case.

1.29? I wish. Just went up to 1.35 here. BEFORE tax. Where are my pearls?

/haven't carried cash in a decade. Why bother?

You're right. People need to know you prefer pepsi for marketing purposes.

Accept no substitutes!

But seriously, why bother? I know there's the transaction costs built in...but at this point were paying for those regardless. Cash I can lose or get stolen. My cards? One phone call and I'm not liable for anything.


This.

Even if you refuse to use credit cards all you're still helping to subsidize the rewards programs of credit card users.
 
2013-12-23 09:21:17 PM  
Why does target need to store info on 40 million bank accounts? I'm glad it happened, it raises awareness
 
2013-12-23 09:23:26 PM  

F22raptom: Why does target need to store info on 40 million bank accounts? I'm glad it happened, it raises awareness


I heard this morning they think somehow data was being intercepted in real time as transactions were occurring.

No idea. Again, literally never shop there, too lazy to look it up myself.
 
2013-12-23 09:23:42 PM  

Jument: pyrotek85: That's been my reasoning too. I have a debit card so that I can get cash while I'm out should I ever need to, but I don't swipe it or use it online otherwise. Credit seems to have more protections.

Yes, good point. I do carry my debit card for ATM withdrawals (which are getting rare these days) but I never use it for a purchase.


And not that your card can't get skimmed at an ATM too, but it's considerably less likely, especially if it's in a protected place.
 
2013-12-23 09:24:00 PM  
I know Ive shopped at target during the time involved but I think I only used cash. Ive looked at statements and dont see anything out of place.
 
2013-12-23 09:24:43 PM  

Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.


This.  I'm hoping this incident finally hammers it home to people that they should not be using debit cards for purchases.  Yes it is Target's fault for all of this, but when this shiat happens, you have full protection if you use a credit card.
 
2013-12-23 09:26:17 PM  
NIXON YOU DOLT!!!!!:

I haven't followed this, because I don't shop at target...but what is their fault in this? What I've heard is they got hacked, immediately notified everyone, and are working diligently to make it right. Are they somehow at fault for the hacking? Poor security or some such?

Hacked for like a month or so.... For some reason the hackers waited until the shiat hit the fan before  having fun releasing the data.
 
2013-12-23 09:27:10 PM  

TheSelphie: Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.

This.  I'm hoping this incident finally hammers it home to people that they should not be using debit cards for purchases.  Yes it is Target's fault for all of this, but when this shiat happens, you have full protection if you use a credit card.


NPR had a story on exactly this today. Hopefully some people will take note and make the switch.
 
2013-12-23 09:27:51 PM  
Have one card that was used at Target during the crack. So far no use of the card, but I am going to call and tell the card company to change the number. It will suck a little (really not a big deal) but I don't want to deal with the aftermath.
 
2013-12-23 09:28:19 PM  

TheSelphie: Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.

This.  I'm hoping this incident finally hammers it home to people that they should not be using debit cards for purchases.  Yes it is Target's fault for all of this, but when this shiat happens, you have full protection if you use a credit card.


Run your debit card as a cc. Shazam, all the protections of visa and mc.
 
2013-12-23 09:28:37 PM  

Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.


My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.
 
2013-12-23 09:30:53 PM  
Because I'm avoiding Target right now (a bit miffed at them for all the autopay accounts I have to reset on my CC), I shopped at K-Mart for the first time in forever. So that happened.
 
2013-12-23 09:31:46 PM  
Maggie_Luna:

My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.

www.globalnerdy.com
 
2013-12-23 09:32:32 PM  
All you cash-only luddites know that if your ATM card number is used fraudulently, you're not liable for purchases, right? From  http://www.consumer.ftc.gov/articles/0213-lost-or-stolen-credit-atm-a n d-debit-cards :

If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you.

But keep carrying cash around. It's go SO many protections if you lose it...
 
2013-12-23 09:32:47 PM  

NIXON YOU DOLT!!!!!: Run your debit card as a cc. Shazam, all the protections of visa and mc.


And it still can have your balance wiped 24 hours before your mortgage and you don't notice for 48.

It sucks for people with bad credit, and for all the young college students these days who don't get credit cards basically handed to them at freshman registration (like in my day), but if you have a credit card, I can't see not using it.
 
2013-12-23 09:33:26 PM  

Maggie_Luna: Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.

My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.


You do know that you can pay credit cards off every month, or hell, as soon as you make a purchase if you want?  There is literally no reason to use a debit card over a credit card.  I pay my credit card bill in full every month, but I use it for the protection, because I don't like to carry around cash, and for the credit-building.
 
2013-12-23 09:35:26 PM  

oukewldave: If someone stole my credit card info, I hope they shopped at Amazon.  I get 5% back this quarter!


I LOL'd!
 
2013-12-23 09:37:07 PM  

jnapier: Maggie_Luna:

My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.

[www.globalnerdy.com image 350x349]


Shoot, my last part got cut off (copy and paste because I like watching things) so I look like a self righteous person (I'm insufferable, there's a difference). Was suppose to end with something 'thought credit can be a good choice with the right card' because it so can and in those no-interest for X months deals.

That's what I get for not paying attention.
 
2013-12-23 09:38:26 PM  
TheSelphie:
You do know that you can pay credit cards off every month, or hell, as soon as you make a purchase if you want?  There is literally no reason to use a debit card over a credit card.  I pay my credit card bill in full every month, but I use it for the protection, because I don't like to carry around cash, and for the credit-building.

Sure there's a reason - you can't get cash back with a credit card. I use my ATM card for most stuff, but sometimes I want fee-free cash without going to my network ATMs.

Also, debit cards have the same protection, see my post above.
 
2013-12-23 09:39:20 PM  

NIXON YOU DOLT!!!!!: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

I haven't followed this, because I don't shop at target...but what is their fault in this? What I've heard is they got hacked, immediately notified everyone, and are working diligently to make it right. Are they somehow at fault for the hacking? Poor security or some such?


Which is more than Sony could say, may they go bankrupt and rot in hell.
 
2013-12-23 09:40:16 PM  

TheSelphie: Maggie_Luna: Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.

My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.

You do know that you can pay credit cards off every month, or hell, as soon as you make a purchase if you want?  There is literally no reason to use a debit card over a credit card.  I pay my credit card bill in full every month, but I use it for the protection, because I don't like to carry around cash, and for the credit-building.


That's pretty much the only reason I use my card (credit building) because I will eventually need a good deal of it and an emergency might come. All those 'why we need credit reasons'.  I'm not fan of it too much yet.  I could still end up in debt to my eyeballs (I could lose my jobs, whatever and not be able to pay it off or whatever) or cleaned out.
 
2013-12-23 09:40:54 PM  
It'd be nice if this taught all the retailers a good lesson about data security, but we know that's never gonna happen.
 
2013-12-23 09:41:59 PM  

Maggie_Luna: My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.


You seem to think you're responsible, but I'm going to be blunt here: if the interest rate on your credit card matters to you in the slightest, you do not know how to use a credit card. If you find yourself in a situation where your only option is to carry a balance on your credit card, step back and get some education. And you have a "good" interest rate on your card? No, you don't. There is no such thing.

I have no idea what the interest rate on my credit card is. Zero. For all I know it's 3,000%. I haven't paid a dime in credit card interest since I found myself in some stupid debt as a young adult and wised the hell up (that was over 20 years ago).
 
2013-12-23 09:43:10 PM  

NIXON YOU DOLT!!!!!: inclemency: NIXON YOU DOLT!!!!!: inclemency: Livingroom: All I know is, I bought a got-damn 20oz soda while I was at a target with my mother and tonight my credit card company called to ask if my card was swiped at a walmart in weehauken New Jersey. I live in Tennessee.

You put a soda on a card?

You're part of the problem. Carry 1.29 around, just in case.

1.29? I wish. Just went up to 1.35 here. BEFORE tax. Where are my pearls?

/haven't carried cash in a decade. Why bother?

You're right. People need to know you prefer pepsi for marketing purposes.

Accept no substitutes!

But seriously, why bother? I know there's the transaction costs built in...but at this point were paying for those regardless. Cash I can lose or get stolen. My cards? One phone call and I'm not liable for anything.


Yeah the only "victims" here are the merchants receiving the fraudulent transactions.  They are on the hook for them.  The charges will get reversed.
 
2013-12-23 09:43:17 PM  

TheSelphie: Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.

This.  I'm hoping this incident finally hammers it home to people that they should not be using debit cards for purchases.  Yes it is Target's fault for all of this, but when this shiat happens, you have full protection if you use a credit card.


I use a debit card issued by Chase(not by choice, I had WAMU until Chase bought them) and have received two e-mails from them letting me know that they will be issuing new cards to everyone you was affected by this,
and from their e-mail:

"If your card is at risk, don't worry. All your Chase cards have our Zero Liability Protection. That means you're not liable for unauthorized transactions you report to us."
 
2013-12-23 09:44:43 PM  
This happened to me prior to the announcement about the problem at Target and I didn't mark the date when it happened, but I'm guessing it was right around the time that I made a purchase there.

Anyway, I received a call from some unavailable number and there was a recording claiming that my card had been inactivated for some reason or other and to press 1 in order to reactivate it. I promptly hung up on the dicks. Shortly after I called my financial institution to inquire if they had tried to contact me, they had not.
 
2013-12-23 09:44:44 PM  

Maggie_Luna: Jument: orclover: The sudden loss of our bank access this weekend in combination with a flu outbreak in the house has really really farked up our christmas.  Hard to tell which was worse.  fark you Target, I hope walmart just up and eats your ass and shiats out your assetts to China.  But you will probably rake in record profits over this.  fark you right in the ass.

The lesson here is to never use debit cards. This is not new. I honestly don't understand why anyone would ever use a debit card: 1) your personal money is exposed to third parties, and 2) free rewards cards = free money.

If you CC get's compromised, the bank will null out the fraudulent charges in 5 minutes or less. They do it hundreds (or more) times a day so it's business as usual for them. That's stupid but there is zero risk to you.

My parents raised my brother and I differently. My brother relies more on credit cards, I rely on my own money to fund the majority of my things.  Who's debt free? Well, not me for sure. I have student loans.  However I don't have credit card debt at least. I have a credit card but I use it sparingly (and I have a good interest rate). My credit union has benefited me more than my CC (I get money at the beginning of the year) and yes, I have rewards on it.


Nothing like the "if you have a credit card you have no choice but to carry a balance each month" argument.

In the 12 years I've had credit cards I have always paid off the balance each month.

I'm not special; it's called: personal budgeting 101.
 
2013-12-23 09:45:25 PM  
Just received a letter from my Credit Union (they sure wasted no time) explaining what happened and saying any card with a Target charge during the period of time of the card number theft will be reissued with a new number.

I haven't been to target in over a year. So they wasted paper and postage on me. More wasted money on a blanket mailing.
 
2013-12-23 09:47:07 PM  

Maggie_Luna: That's pretty much the only reason I use my card (credit building) because I will eventually need a good deal of it and an emergency might come. All those 'why we need credit reasons'.  I'm not fan of it too much yet.  I could still end up in debt to my eyeballs (I could lose my jobs, whatever and not be able to pay it off or whatever) or cleaned out.


Using credit responsibly is making your money work for you. Even carrying a balance for a couple of months isn't necessarily a bad thing depending on the reason for the purchase, interest rates involved, your cash flow, etc. You have to think big picture with all this stuff and have an economic plan that isn't "how do i get the numbers to balance this week\month" but at the same time not, "man, I hope to hit it big one day so I can pay this all off"

Even a rinkydink credit card is going to give you 1% cash back, which can easily add up to a few hundred bucks a year. Using the correct cards at the correct times though can be a multiplier on that though.
 
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