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How to see if you are at risk after the Target security breach

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"This is a pretty substantial compromise on information, yes, and so its one that the consumer should take seriously."

Holiday shoppers at Target may not be feeling so festive after the retailer announced roughly 40 million customers who swiped their credit or debit cards could be affected by a massive security breach.

"I just got a phone call from by bank saying they needed to cancel my credit card," said Wausau resident, Tabby Huber, "my card was compromised."

Tabby Huber is a victim, and now, she will not have a debit card for about two weeks, which she says, is just terrible timing.

"I don't want to be inconvenienced right now," she explained, "not be able to have my debit card."

The breach reportedly happened between November 27th and December 15th.

So, what should you do if you swiped your card at Target during that time?

"That card holder should be monitoring their accounts closely," said Jay Wittman, Chief Operating Officer at River Valley Bank, "they should be looking at the accessibility to online statements of their cards, and if see any transactions that are abnormal or they don't believe that they've authorized, that they should contact their bank."

The information taken includes names, card numbers, expiration dates, and the three-digit security code.

Target release a statement Thursday saying:

"We take this matter very seriously and are working with law enforcement to bring those responsible to justice."

The security breach has many swearing off plastic, but some say, cash may not be king after all.

"I don't use cash a lot today just because of the ability to lose it and you really have no 'audit trail' or way to follow up on where that might have been lost," explained Wittman, "when we use plastic, we have a trail and we can see very clearly whether there has been fraud or not fraud in a particular transaction."

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