Dec 22, 2013 10:46 PM by Heather Jackson
CORPUS CHRISTI - Customers targeted used cards from Nov. 27 and Dec. 15
The culprit behind hacking millions of people's credit card information, is the United States' outdated credit card system.
Also known as that little strip behind your card. It carries all of your personal information.
One local woman is upset, because she was one of the many effected.
"I went to use my debit card at the ice cream store, which was a very small purchase, and I knew that it should have gone through. And when they told me that the debit card was declined I was really surprised because that should not have happened," Yolanda Keys, a credit card hacking victim remembers.
After using another form of payment, Yolanda quickly went home to get online and check her account.
What she found, was alarming.
"It was a fraudulent charge that was made at a Target in Las Vegas, Nevada," Keys says.
When she contacted her bank they said it could have been related to the Target scam...
"40 Million records is a large number. That means in the United States there is a 1 and 7 chance that your credit card has been compromised," one expert counts.
Experts say the reason the victim number was so high is because the U.S. credit card system is easy to duplicate.
That little strip that, that has the same coding every time you swipe, carries your full name, card numbers, expiration dates, even security codes.
And the scariest part?? Transferring that sacred information, takes just seconds.
"Once you have the date you can take a hotel room key, slide it through, now this room key has the exact same data that this credit card has," an expert says.
This quick process leaves millions scrambling to rearrange their pocket book.
Like Yolanda, who says she is down one debit card, for the holidays.
"It's inconvenient because I cannot use my debit card while they send me a new one.It takes 3-5 days...and with the mail on the holidays it is going to be a little while." Keys says.
This inconvenience now has Yolanda on her toes more than ever.
"Again, you don't want to carry too much cash with you so I think we are going to change pin numbers a little more frequently and try to be more careful," Keys says.
Internationally, some nations have made it harder for credit card hackers.
Some nations created a chip that changes your information every time the card is used.
The United States is hoping to bring that chip system here, in 2015.