Target Corporation Credit and Debit Card Security Breach

December 18, 2013 several news agencies issued reports of a data breach at Target that has potentially compromised credit and debit card information for as many as 40 million cardholders.

Target has indicated that the breach occurred between November 27 and December 15, 2013. If you used your UCCU credit or debit card at Target during that time frame please call us and we will replace your card.

Such reports bring fears of card fraud to the forefront, but be assured that Utah Community Credit Union has extensive safeguards in place to protect members from this type of fraud; and in the event you are a victim, the credit union has quick and efficient processes in place so you can get your money back.

No matter where you shop (even online), you can feel confident using your Utah Community Credit Union Visa® check or credit card because we’re always working to keep you safe – with multiple layers of security.

Security Layers:

Card Data Mismatch

  • Several security values are checked before a transaction is authorized.

Fraud Prevention Tools

  •  The 3-Digit Security Code on the back of your card provides Internet and phone security by helping verify that you’re in possession of your card.
  • With Verified by Visa, your identity is confirmed through a personal password while shopping at participating online merchants.

Real-Time Fraud Detection

  • Using best-in-class solutions for Real-Time Fraud Monitoring, we screen your account 24/7 to detect suspicious card activity outside your normal pattern. If something seems abnormal, you will receive a phone call to let you know.

We’ll Fix It

  • Our protection means you don’t pay for unauthorized use of your credit or debit card.
  • Access to Identity Theft Assistance helps you regain control of your account if you suspect you’ve been a victim of card fraud.

There are steps you can take to help protect yourself as well. Some may seem like common sense, but it’s important to keep them in mind

General tips on card safety:

  • If your card is ever lost or stolen, report it immediately
  • Don’t leave your card anywhere it could be easily taken (this includes the glove compartment of your car)
  • Monitor your account
  • Keep your account information current so that if there is suspicious activity we can contact you.
  • Make sure you memorize your PIN
  • Shred documents that contain any personal or financial information before you dispose of them
  • Before shopping online, ensure your computer has up-to-date anti-virus and spyware software installed

Don’t Respond To Emails Requesting Your Personal Information

Many businesses use email to communicate with customers. Online banking and shopping are safe. But remember that UCCU will never ask you to provide personal information such as account numbers, passwords or your Social Security number via email.

This is important to remember because you may occasionally receive “official looking” emails from people posing as legitimate organizations, asking you for your personal information – this is illegal; it’s called “phishing”.

Don’t fall for scare tactics in emails that threaten things like ‘if you don’t respond immediately, we will close your account’ – if you receive an email that you’re not sure about, forward it to feedback@uccu.com or contact us.

Keep Up-To-Date

You should look at your account details regularly to make sure you don’t have any unauthorized transactions. This can be made easier by checking your statements and paying bills online. It’s also a good idea to check your credit report annually for any activity you didn’t initiate. For information on how you can obtain a free annual credit report, visit www.annualcreditreport.com

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13 Responses to Target Corporation Credit and Debit Card Security Breach

  1. Semisi B. says:

    Thanks for the update. I have had similar issues in the past and UCCU has ALWAYS been there to protect me and my assets. From quick notifications of potential issues, to quick resolution and card replacement, you guys are the ultimate professionals. I’m just grateful and happy to call you MY credit union! Thanks!

  2. Dustin Parmley says:

    I shopped online at http://www.target.com during the relevant time period. Were online transactions affected, or only in store transactions? Should I have my card replaced?

  3. Linda says:

    I had used my card at Target so I came to the UCCU 800 S. branch to see if I was at risk. They were extremely courteous, helpful and thorough in checking my account to tell me I was not. I have been at UCCU since my college days over 45 years ago, and have always appreciated the great service they give. Also, thank you for the security info you posted above.

  4. Donna Kendall says:

    I did shop at Target, I am not sure of the date I made the purchase. Can they use my information without knowing my password?

    • UCCU says:

      Apparently the thieves were able to obtain card numbers and expiration dates which would allow them to make fraudulent signature based purchases which do not require a PIN. Call (801) 223-8188 or visit a branch on Monday so we can review your account history to determine if your purchase was made during the affected time frame.

  5. Kevin Shutt says:

    My wife used her debit card at target during the dates posted. Should I have both our debit cards replaced or just hers?

    • UCCU says:

      You should only have to replace your wife’s card. We usually issue multiple cards on the same account with a slightly different number so that both will not have to be replaced in situations like this. We can verify this when you call or visit a branch to get a new card for your wife.

  6. John McCarthy says:

    Thank you for your immediate response to the Target Credit Card matter. I’ll be contacting them to request a replacement card. Also there’s another debit/credit card connected to an out of State bank which I’m considering closing and bringing to UCCU Credit Union. Thank you in advance as we appreciate your continued exemplary customer service.
    John & Gladel McCarthy
    Nephi, UT 84648-1221
    USA

  7. Kelley says:

    My card was already compromised and some strange charges showed up and I changed it. Now I think I know where it came from. I shopped at Target on Nov 30th.

  8. Von and Marge Wright says:

    We have been with your Credit Union for a very long time and have always felt secure.
    We are much older now and need that secure feeling. Thanks for this current info and
    thank you for many years of service.
    Von and Marge Wright

  9. Nicole C. says:

    I have a Target Red Card that is linked to my checking account and I used that card during the dates that the breach happened. Should I still request a new card through UCCU and should I also request a new card from Target?

    • UCCU says:

      Great question. You will only need to request a new card from Target. Your UCCU account would only be affected if you used a UCCU card for payment at Target during the specified time frame.

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