Target data breach: Debit VS credit card risks - KALB-TV News Channel 5 & CBS 2

Target data breach: Debit VS credit card risks

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ALEXANDRIA, La. (KALB News Channel 5) - Over 70 million customers were victims of the Target data breach, and several other businesses were also recently affected.

Linda McLain isn't too worried about her financial security. She's vigilant when it comes to her finances.

"I'm a full time 'RVer' and I have no paper trail, so basically I go onto the computer, log onto my website for my bank, take a look every other day just to make sure there is nothing weird or strange going on," said McLain.

When paying with plastic, many have the option of using a debit card or a credit card, but is one riskier than the other?

"Using a debit card you have to be careful because it is linked to your checking account versus a credit card. With a credit card, you're dealing with a company's line of credit so it's not going into your cash," said Angela Stewart of Red River Bank.

Banking experts say using a credit card can reverse a transaction more quickly-- while using a debit card can tie-up your money while the disputed charge is being investigated.

"We always tell customers to never use their debit cards when they're purchasing online because you may think that that particular site is secure, we all want to think that but ,we're not sure who they're actually processing through," said Stewart.

"Credit is just for the occasional purchase, larger amounts, and I do use debit but I think the key to it is monitor your account. You can always get online access and watch your account," said Elizabeth Andrews.

"The only way that you can really make sure that your account is protected is by looking at it on a daily basis. It's really important," said Stewart.

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