We want your Target shopping experience to be safe and secure, that’s why we are providing our RedCard holders with some tips so you know what you can expect when interacting with Target:
We also offer the following tips and information to help you protect yourself from identity theft or repair your credit if you’ve become a victim. This guide is not intended to be comprehensive, and the actual steps you take will depend on your circumstances. A comprehensive list of resources is included at the end of this guide.
Identity theft is the fastest-growing financial crime in the United States, with millions of victims to date. Identity theft occurs when someone wrongfully uses your personal information, such as names, Social Security number, or even your cell phone number to obtain credit, property and services.
An identify thief may obtain your information from a variety of sources:
Target card services takes a proactive approach to fighting fraud and identity theft. If a transaction or RedCard (Target Mastercard, Target Credit Card or Target Debit Card) application looks suspicious, we may call you to verify that you have authorized the application or transaction. You are not responsible for any charges or transactions on your RedCard that you did not authorize. We will work to quickly resolve any fraud situations you may have with your RedCard.
For some online account changes or other changes to your RedCard, you may be prompted to provide additional information about yourself, your account or your RedCard. This helps us ensure that we are talking to the right guest and reduces the risk of fraud and the possibility of identity theft.
Target will never send you any emails that request personal information such as your password, RedCard information or PIN number. Target will never call you and request your full social security number or PIN number. If you ever have a concern about an email or phone call you receive from Target, do not provide any information. Call Target Guest Relations at 1-800-440-0680 or email them at Guest.Relations@target.com to verify that the information was sent to you by Target.
Target card services is ready to assist you if someone has stolen your identity to fraudulently open and/or used your RedCard account. If you’ve experienced fraud in connection with a Target™ Mastercard®, Target Credit Card® or Target Debit Card™, call one of the following numbers to reach a guest services representative:
Target Mastercard: 1-800-424-6888
Target Credit Card: 1-800-659-2396
Target Debit Card: 1-888-729-7331
There are many free and easy steps that you can take to help protect yourself against credit fraud and identity theft.
The Fair Credit Reporting Act (FCRA) requires each of the nationwide consumer reporting companies—Equifax, Experian and TransUnion—to provide you with a free copy of your credit report, at your request, once every 12 months. Go to https://www.annualcreditreport.com/cra/index.jsp to order a free copy of your credit report.
Keeping copies of your charge slips and comparing them to billing statement information will help you catch fraud quickly. If you ever see unauthorized activity on your Target™ Mastercard®, Target Credit Card™ or Target Debit Card™, you can reach us online at www.Target.com/myRedCard. or call one of the following numbers to reach a guest services representative:
Target Mastercard: 1-800-424-6888
Target Credit Card: 1-800-659-2396
Target Debit Card: 1-888-729-7331
Look for additional evidence of fraudulent activity in your mail and credit card bills. Report any new evidence to the credit bureaus, affected companies and the police.
Storing personal information, such as a Social Security number, in your wallet or someplace easily accessible to others puts that information at risk. Carrying as few cards as possible minimizes the risk if your wallet is stolen. Also, never write personal information, such as an account number or driver’s license number, on the outside of an envelope.
Here are some other useful contacts regarding identity theft and online scams: Federal Trade Commission (FTC)
The FTC maintains an identity theft website that you may find helpful: www.consumer.gov/idtheft
1-877-IDTHEFT (1-877-438-4338) OnGuard
Onguard provides helpful tips to protect against internet fraud, secure your computer and protect your personal information.
www.onguardonline.gov/stopthinkclick.html 3 major credit bureaus
Equifax www.equifax.com
Experian www.Experian.com
TransUnion www.transunion.com Federal Deposit Insurance Corporation (FDIC)
This online video gives useful information on how to avoid online scams:
http://www.fdic.gov/consumers/consumer/guard/index.html consumer information
A detailed look at fighting back against identity theft:
RedCard™: Target Debit Card™, Target Credit Card™, and Target™ Mastercard®. Subject to application approval (Target Mastercard not available to new applicants). The RedCard credit cards (Target Credit Card and Target Mastercard) are issued by TD Bank USA, N.A. The RedCard debit card is issued by Target Corporation. Mastercard is a registered trademark of Mastercard International, Inc. Pat 7,562,048 and 8,117,118.