Surprising message from Target Redcard

[coldfusion]

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@NRB525 wrote:

I for one see this as a security feature. Most of the examples here relate to direct bank account access. Target Debit card. Zelle. The Chase example could be debit also.  

On some of the "tell us your verification cell phone number" screens there is a paired field to specify your cell carrier. That may be also derived behind the scenes in some other cases that we don't see.

Target, as the target of a notorious data breach not that long ago, seems to have other significant controls over data one does not see everywhere.  

Our cell phones have become a critical identification tool for many two-factor authentication methods. Someone spoofing your phone, after lifting your debit card info, would be a terrible combination. Knowing the carrier along with the cell number, if my theory is correct, would benefit that part of data security.  

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BTW your theory is correct.

[Anonymous]

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@UncleB wrote:

Chase does this as well; very occasionally there will be a post about it, here's one I was able to put my hand on:  https://ficoforums.myfico.com/t5/Credit-Cards/Amazing-how-quickly-CC-companies-learn-about-any-chang... 

When I changed providers last summer I got the same message from Chase, and Zelle was also deactivated for USAA until I did a profile update.  I agree that it's uncanny how quickly the notifications came in.

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OK, waiting for Chase!   Now what happens if you move address, which to me is a bigger deal!   I haven't seen reports on that, maybe just because that data is slower to update?