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So nervous about Target debit card
Posted: Apr 5, 2013
I was shopping at Target recently and a clerk told me about the Target debit card where you automatically get 5% off on purchases. I jumped on it, filled out an application, and now I'm a serious nervous wreck when I think about all the information I gave up, which was everything - name, address, phone number, social security number, driver's license and bank account number. What an idiot! I regret it a thousand times over now. I'm so paranoid about identify theft, I can't believe I did such a stupid thing. Red flags even went off in my head when it asked for the SS#, but I still did it! I wonder if there's any way I can have all that deleted. I could change bank accounts, but the SS# and driver's license are permanent. ;
Don't worry about it.... - sm
[ In Reply To ..]Have you never applied for a debit/credit card before? I'm not trying to sound rude, just curious. That's all standard information for them to ask because they would need to check your credit. It's Target, so I really wouldn't worry about it. I love, love, LOVE my Target Red Card - it's like instant coupons without the hassle of coupons! Relax and enjoy it! :)
love my target card also - love it
[ In Reply To ..]Plus, you get to use their coupons that they send out and a manufacturer coupon for that same item! And Target has great clearance items all the time. I already bought my grandson 6 pair of athletic shorts for 2.50 each about 3 weeks ago! Shorts on clearance in March! LOVE IT.
Debit card - Old Pro
[ In Reply To ..]The only people I will give my SS to are my CPA who files my taxes and, of course, the IRS, which already has it. Even when I started with a new physician, they wanted it and I told them they did not need it--they had my insurance card, that was enough. Please, people, protect yourselves! A colleague of mine, a fellow MT, was the victim of identity theft and she spent several hours getting everything straightened out--after the thief had drained about 5K from her bank and made her mortgage payment bounce. By the time it was all over, she had spoken with the bank examiners, the local police and the FBI. I truly hope that nothing is amiss with this. And SHAME ON TARGET for asking for your SS number.
Well then - question for you
[ In Reply To ..]How do you then apply for a mortgage or credit card, or anything that needs a financial background check?
Best way to protect yourself from identity theft is to freeze your own ssn so no one can apply for credit under your ssn.
How do you freeze your SSN - nm
[ In Reply To ..]Nm
How to freeze your credit - anon
[ In Reply To ..]You need to go to each of the big 3 credit bureaus and request a freeze. The directions are on their respective websites. There may be a small fee, which varies by state, but it's a good investment in your personal protection.
The 3 agencies are: Experian, TransUnion, and Equifax.
If you need credit, like a car loan or a mortgage, ask your lender what report they pull so you can unfreeze your credit to allow your lender access.
Here's link for TransUnion..you will have to look3 up Equifax and Experian.
http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.page
Nothing to be nervous about - MT
[ In Reply To ..]It's Target and you applied for a card. Your SSN is necessary in order to apply for any sort of card, debit or credit. Target goes through thousands of applications a month I'm sure. If you are so paranoid about identity theft, go to truecredit.com and pay $14.95 a month for credit protection and unlimited access to your credit report and FICO score. Just think of the millions of people who apply for credit every year...and there are maybe a fifth of those that are victims of identity theft. I wouldn't worry about it...really. Anytime you write a check, whether it's at your local restaurant or department store, that clerk has your bank account number, your address, your phone number, etc. Everytime you use your credit card or debit card, any clerk at any store has your account number. Every time you get an application in the mail to apply for a credit card, has gone through the workers at the credit card company, the post office, the postal worker delivering it, etc. Identity theft can happen anytime, anywhere.
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