Increasingly I’ve noticed a disturbing trend with me and computer security. I’ve become somewhat apathetic. My parents are telling me not to shop at Target anymore because they disclosed a zillion credit cards. My response is “Meh, damage is already done, if anything Target is more secure now. I think the more logical response is to avoid shopping at Wal-Mart because they haven’t been targeted for massive Credit Card theft, yet. So they’re not as conditioned to the response.”
Though the reality is, near as I can tell, no major credit card or identity breach has hurt me directly yet. I do follow my credit reports semi-regularly and haven’t seen a thing yet. Chances are the bulk of Americans never will. In fact I’ve had nobody who’s been a victim of Credit Card fraud in recent times tell me they could link their fraud incident to the Target data breach definitively. Wonder why I just shrug my shoulders and think “Much Ado over nothing?”
So far my one credit card fraud incident I suspected was a local guy who ripped off my credit card when he had it in hand. In fact I think I had a sneaking suspicion of which restaurant it could have been given my legitimate charge history at the time.
So folks, live life, take some comfort that the credit card companies are responsible for eating any fraud losses and move on. It’s likely you’ll have a credit card issue at some point in your life so just be vigilant so you can catch it early. With credit reports being free and banking accounts online where you can see up to the minute transactions, there really isn’t an excuse.