No. of Recommendations: 5
Honestly, I'm not sure where credit monitoring is going to make a difference for this data theft.

I shop at Target pretty regularly, almost certainly within the window where the theft occurred. I pay using a credit card, never a debit card.

Allegedly, this theft was credit and debit card numbers (possibly including debit pins). If I had used a debit card, I'd probably be much more concerned. With my credit card, I have no liability for unauthorized charges.

I've had a card number compromised more than once. I typically use my trusty amex as my daily card. When suspicious activity has hit this card, they have always detected it within minutes and called and emailed me immediately. Once I verified the unusual spending pattern was not me, the card number was canceled and a replacement overnighted to me. You cant beat that kind of service. The only a minor annoyance in updating the handful of bills that I have charge to the card monthly.

Credit monitoring will not change this. Target says that social security numbers are not among the data that was compromised (and Target would not have my SS# anyway). I have no worries about someone trying to open a new line of credit in my name. Knowing this, there is nothing to be gained by signing up for credit monitoring.

This is just an attempt to make people 'feel' safe, even though it does not address the problem at hand. If someone is truly concerned, they should check their statements for Target purchases during the period of concern, and request replacement cards from any debit/cc they used at Target during that window.
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