I'm hearing a lot of conflicting reports, some of them really frightening; some people are saying that their debit cards might be affected to the point where their PIN numbers were stolen - which means that the thieves could theoretically access all of their cash through ATMs.
This is why credit is SO much safer - because you have recourse if something like this happens. With a debit card, it takes FOREVER (and I mean forever) to get your money back - if you ever do.
Discover and AMEX are the absolute best when it comes to stopping fraud. Someone attempted to use my card back in March for a large purchase, and within four HOURS, Discover canceled my card number AND contacted me. You can't get better than that.
I made two purchases at Target during the dates, but I have a "RedCard" (the store branded card) and only tend to use that, so I was REALLY lucky. I used my debit card only TWO DAYS before the window of time - gah, if I'd just been 48 hours later, I would have been caught in that.
So far, so good, but I'm keeping an eye out anyway.
I'm sorry for everyone caught in this mess. It sure puts a damper on the holidays for a lot of people.