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

Target data breach: Debit VS credit card risks

Posted: Updated:

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.

  • Most Popular StoriesMost Popular StoriesMore>>

  • Ice Bucket Challenge made to Tioga Detectives

    Ice Bucket Challenge made to Tioga Detectives

    Friday, August 15 2014 5:38 PM EDT2014-08-15 21:38:12 GMT
    TIOGA, La. (KALB News Channel 5) - In November of 2003, the Rapides Parish Sheriff's Office lost one of its most devoted and hard working Detectives we have ever had. More >>
    TIOGA, La. (KALB News Channel 5) - In November of 2003, the Rapides Parish Sheriff's Office lost one of its most devoted and hard working Detectives we have ever had. More >>
  • Mississippi man shot after reporting cross burning in his yard

    Mississippi man shot after reporting cross burning in his yard

    Wednesday, August 20 2014 11:30 AM EDT2014-08-20 15:30:00 GMT
    JACKSON, Miss. (CBS News) -- A Mississippi sheriff says a man was beaten and shot two weeks after calling authorities to report a cross burning in his yard, and investigators are trying to determine whether the attack was prompted by people being upset that the man was visited by his mixed-race grandchildren.More >>
    JACKSON, Miss. (CBS News) -- A Mississippi sheriff says a man was beaten and shot two weeks after calling authorities to report a cross burning in his yard, and investigators are trying to determine whether the attack was prompted by people being upset that the man was visited by his mixed-race grandchildren.More >>
  • Tropical disturbance moving to the Caribbean Sea

    Tropical disturbance moving to the Caribbean Sea

    Wednesday, August 20 2014 2:15 PM EDT2014-08-20 18:15:54 GMT
    Wednesday, August 2011:30 AMMost of the Atlantic Basin is quiet, but there are two tropical disturbances being monitored. The first disturbance isroughly 1000 miles east of the Lesser Antilles. An area of low pressure remains disorganized as it slowly moves westward at 10 to 15 mph. It will continue toward the Caribbean Sea, and will then reach conditions that are favorable for tropical development. Low wind shear, and warm Caribbean waters could strengthen the cluster of thunderstorms into ...More >>
    Wednesday, August 2011:30 AMMost of the Atlantic Basin is quiet, but there are two tropical disturbances being monitored. The first disturbance isroughly 1000 miles east of the Lesser Antilles. An area of low pressure remains disorganized as it slowly moves westward at 10 to 15 mph. It will continue toward the Caribbean Sea, and will then reach conditions that are favorable for tropical development. Low wind shear, and warm Caribbean waters could strengthen the cluster of thunderstorms into ...More >>
Powered by WorldNow
Powered by WorldNow
All content © Copyright 2000 - 2014 WorldNow and KALB. All Rights Reserved.
For more information on this site, please read our Privacy Policy and Terms of Service.