Last December I did some shopping at Target. While I was there I noticed there was a 5% discount if you used their card. So I got a form and sent it in.
Around the time I sent there was the big US story about Target getting hacked. uh oh, but I wasn't too concerned I figured they would just suspend the application until the security issues were fixed. Also I hadn't heard of any problems in Canada.
So in early February the Royal Bank called to tell me to go to my local branch to pick up my card. I went down on Thursday February 6 and picked it up and went through a tedious process with the reception followed by a teller to register or whatever.
After finishing at the branch the next step was to call the 1-800 number to activate the card so it could be used. I hadn't gotten to it yet. Then on Friday February 7 I get a call from Royal Bank security asking me if I'd made some purchases on the Target MasterCard. There was something on Feb 2 at astrology.com and some other place I'd never heard of. Of course security was just confirming the charges were bogus as I hadn't even received the card from the branch until the 6th, and the card hadn't even been activated yet.
So nice start I haven't even received the card and there are already unauthorized transactions. How did these even go through if the card wasn't activated? How was the card number even obtained? who knows, it's a pretty disappointing experience. I expected better of the Royal Bank and Target for that matter than to be involved in some matter like this. I'd never done anything with the Royal Bank before and it seems unlikely I will in the future.
The Royal Bank security said to destroy the card and they would send me a new one. I called them back and said to just cancel the whole thing. I want nothing to do with it at this point. I have all the credit limit space I need and I only got this for the discount. If it's going to be a hassle and something I have to worry about then who would want that.