Hello all. Just a PSA about target red card.
They are forgiving and easy approval. That said i applied in late Oct and got approved. I applied just to have a open line of creidt with a zero balance to help off set my current credit card usage. I filed bankruptcy in 2017 after a divorce started to rebuild with the bad credit cards like Indigo and Total visa however after one year i closed them out as Cap one approved me for a unsecured card.
Back to Target card i was approved and got it in the mail first week of nov. I activated it and put it in my safe unused. I look at all my cards each week to check balance and payoff. Looking at Target red card it had a 471 balance!!! Some how someone got my red card number and made a online purchase just 2 weeks after it was activated. I called them as soon as i seen it it was still pending. They are supposed to send me paper work to file a fraud report and a new card. I do not plan on activating the new card amd once the fraud part is taken care of closing it out.
I never used my card online or in store. All i did was activate it and sign up for online card management. I have since deleted my online account. Has anyone else had this happen? Will this fraud affect my credit?
