Have you shopped at T.J. Maxx, Marshalls, Bob’s Stores, Homegoods, Home Sense or A.J. Wright in the last year? You may have heard about the data breach at the parent company for those stores – TJX. And you may have just moved on to the next story. But you may want to pay closer attention to this one. Why? Banks, credit unions and issuers of debit cards have discovered that the cards have been used quite heavily. These are very smart criminals who will basically use up one card as much as possible before moving on to the other. The ring knows how to play the game, and they’re using the limits wisely. Then, if you try to use your card, the checks are bouncing left and right. The worst part is that Visa and MasterCard doesn’t require its member banks to cover your losses if your account has been looted. It’s up to the individual bank. Yet, Visa in particular claims it offers such good protection for cardholders. That is baloney. If you’ve used your credit or debit card at one of these stores, you need to heed Clark’s advice. You need to call your bank or credit union and get your debit card replaced. Even if nothing has happened to your account, you should do this as a preventative measure. If someone runs up charges on your credit card, you’re fine as long as you check your statement for unauthorized charges and dispute them.