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Target credit card breach: Target Red Card site down, phone number busy

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A Target credit card breach has many Target shoppers worried that their credit information may have been compromised. On Dec. 19, MSN reported that an estimated 40 million Target customers had their credit and debit card accounts hacked. If you shopped at Target and paid with plastic from Nov. 27 - Dec. 15, this could put you at risk.

So now what? First, you should check your credit card and bank statements. Call your credit card company to see if there has been any suspicious activity on your account. Whether there was or wasn't, you may want to request a new card with a new number just in case (if you used that card to shop at Target over the past 2 weeks or so).

The Target credit card breach has caused Target's Red Card website to crash. It has been nearly impossible to get the page to load which means that Red Card users are unable to check to see if they have been affected in this case. If you've tried to call the "800" number on the back of your Red Card, you're probably experiencing one of two things: An instant busy signal or a few rings leading to a busy signal. And that's so not helpful.

In this case, you will have to wait until you receive your statement -- or give it a couple of days until the site calms down. The only good news is that if you didn't use a "debit" card, you won't have much of an issue. Target obviously knows of the problem and they are going to take care of it. If you used a "debit" card, you'll need to make sure you contact your bank. Hackers who can access your personal bank account might be able to do a lot more damage than one who has stolen your actual credit card number.

The Target credit card breach is one of the largest in history. People have been absolutely panicked because of this -- and the timing isn't great either. Just more things to stress about.

In case you want to try, you can call Target Red Card at: 888-755-5856 or visit their website.

© Effie Orfanides 2013

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