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Coupon Abbreviations
  • SC = Store Coupon
  • MC = Manufacturer Coupon
  • SS = Smart Source
  • RP = Red Plum
  • PG = Proctor and Gamble
Coupon Terms
  • WYB = When You Buy
  • B1G1 = Buy One Get One Free
  • .75/1 = 75 cents off one item
  • .75/3 = 75 cents off three items
  • EXP = Expiration Date

Going Nuts? I can help you understand coupon terms and abbreviations

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Target Data Breach

Target announced today that anyone who shopped in a Target store between 11/27 and 12/15 has been the subject of a credit card breach.  The data breach includes customer names, credit and debit card numbers, card expiration dates and the three-digit security codes located on the backs of cards.  They are saying over 40 Million accounts are compromised (roughly 35% off the US).

With that much information involved, you need to keep a close eye on your accounts!  You really already should, but this emphasizes why.  There are a number of things you can do, from putting fraud alerts on your credit cards to putting freezes on your your reports.  It will cost most folks between $3 and $10 to freeze each report and then another fee to temporarily “thaw” your report if you want to open an account.

Sadly my sister-in-law learned the hard way earlier this year that your checking account can be drained in an instant before you even know it.  So for anyone that used debit cards at Target please be very attentive your account.  

It is important to note, that Target is saying this is now fixed.  I will probably still be a cash girl there for a bit…

Want to handle it yourself?

  • Here’s info on freezing credit reports.
  • Make sure that for right now you turn off any link between your checking and savings account.  You’ll need to be careful to not over draw your checking, but this way they can’t get your checking and savings drained!
  • If your debit card has a Visa or Mastercard logo on it you can also get some protection from them.  They are supposed to give your money back in 10 days or less.
  • Call all of your credit cards and put fraud alerts on the accounts.  This will make any large purchases have to verbally approved by you and can be frustrating in the store, but is worth the extra hassle.

Life Lock
With all of this, I will share that my family has had life lock for the last year.  I know that many will say that you can do most of this yourself, but in reality you can’t be that vigilant.  They notified us within 2 hours of a credit account being opened in our name, send emails if anyone using our name or personal information turns up in public records anywhere in the US (there is a very bad person with my husbands name and birthday in New Mexico that has actually caused us problems in the past), you get monthly credit rating reports, emails if a sex offender registers in your area, plus to me the best part if something does happen they cover you up to 1 million dollars.  For my sweet sister in law that had her checking out drained and over $10,000 in debt added to her name this would have been huge!  She ended up having to get a lawyer just to have the bank fix it.

Life Lock isn’t cheap, but I view it like insurance.  It’s $22.50 a month or $247 a year (slightly cheaper than monthly), right now you can also get a free 30 day trial.

    • pdnr

      Was it only debit cards? Or did they get credit card numbers, too? I only shop at Target a half dozen times a year but would you believe I shopped there twice during the time period!

      • It was all card transactions :(

        • Rebecca

          The article I saw made it look like it was just TARGET debit/credit cards that were affected. Was it every card that was used? Just curious…I looked back through my bank records and we didn’t use any “plastic” during that time…only cash. I don’t have a target card, but do occasionally use my regular debit card or credit card there. I think I’ll stick to cash for now. :)

          • uthorns1976

            Any and all cards…Target, Visa, MC. All of them. I had used my Target card only. Easiest thing for me will be to cancel it and get a new one if/when Target can be contacted. They are swamped with calls now.

    • EA Fritz

      My debit card cannot be used anywhere but Target right? and they do not have my debit PIN, so I am not sure how they can drain my account with just the card number and 3 digit code. I did not see the PIN listed in the articles I have read today, so it kind of sounds like it is just the credit cards. Or I could be wrong, but if it was going to happen, they would have already drained the accounts the instant they snagged the card data. They have to announce if there is a chance data was stolen. My Kohls account was hacked easier this year and they used the data right away. Most banks are going to help you get your money back as well so there is no need to panic. Although I agree you should always pay attention to your accounts.

      • EA Fritz

        Commenting on myself I see the issue. I only use my Target debit not my personal debit or credit cards, so it would not do anyone else any good.

        • Stephanie

          Having the card number, its expiration date, and its 3 digit code is all you need for online purchase even though it might be easier to track because they have to send the stuff to a specific address but with the ease of getting a PO box and the fast shipping due to the holidays nowadays nothing is safe. I think target should just replace all the cards of the people that have been hacked into like how bank of america did a few years ago (it happened to me but there was no big news about it). 40 millions account when you think about it if you take a dollar from each account that is $40 million.

      • Rebecca

        If they drain a debit account, other checks or web bill pay transactions that you have authorized may bounce because the money isn’t there; that can cause a big problem for you. Yes, banks will “refund” your money after they close the card. (I actually had one fraudulent transaction sent through on my debit card. I have NOT used my card at Target, so it wasn’t from this incident. My BANK called me to report suspicious activity; it was for over $100 in TX…I live in FL and most of my debit card transactions are less than $50. Within 48 hours of my filing the fraud report with my bank, I had my money back.) I actually have gone to cash for most shopping trips (Target, Publix, Walgreens, CVS, etc.). Credit/Debit Card theft is just to rampant these days.

      • Jenny

        I think that could still use your debit card as a credit card. I could be wrong but it might be worth watching anyway.

    • Stacey

      I had my purse stolen once and they used my debit card to drain my bank account. My husband’s card was not stolen but they did have his credit card information and actually “made” a card with his information and they were swiping them in the machines at stores. It is disgusting how people feel like it is ok to take what others have worked so hard for.

    • Cindy

      This is just a comment about using cash for purchases. I had a financial issue the last few years and was unable to have any credit or debit cards in my name so I just used cash and I love it!! I have no more issues with overspending.

    • Kay

      Thank you for the heads up! I agree with you on using a monitoring service. But I enrolled in Identity Guard b/c they have better ratings and if you enroll through their product via Costco…they are way less expensive than Life Lock $9.99/mon…just passing along the savings :) they also have the $1mm insurance. It’s definitely worth looking in to.

    • lksoni23

      I used my debit card at Target, so just to be safe I called my bank and got it cancelled and they issued me a new one with new numbers. Problem solved.

    • Anny Muss

      Just my .02 but I highly doubt any entity smart enough to hack a large companies server and get information on that scale is doing it for identity theft purposes. That’s like saying a casino owner is committing petty theft by stealing from your wallet, it just wouldn’t happen. The big question here should be WHO hacked their servers. Good luck finding that out.