You’ve checked your credit/debit card statement and found nothing abnormal. You’re in the clear, right? Wrong.  Though it may seem you’ve come out unscathed in the massive security breach; the fact of the matter is that this is just the beginning.

The Target security breach affected millions and recent reports show that the hackers have more of your information than was once thought.

According to NBC News, hackers not only gained access to consumers’ credit card information but also the PIN numbers of debit cards. Having this type of information allows hackers to make replica credit/debit cards to use in actual stores or even ATMS. This is a major problem considering many debit cards give access to a checking and savings accounts at once – making it very easy for criminals to take everything you’ve got in one transaction.

Though this information has been public for a while, a lot of people just assume that if they weren’t already affected, nothing else will come of it. However, unfortunately, hackers are always one step ahead. In fact, most criminals wait till the hype has died down and guards have been let down to start making purchases or withdrawing money. So even if you’ve monitored your bank account daily since the announcement of the breach, it may hit you months down the road.

Worried now? We recommend running a monthly credit report on yourself as well as monitoring all of your accounts for months after the breach. We also recommend contacting your bank or credit card company and discussing fraud coverage. It doesn’t hurt to ask if they have any sort of special coverage for this recent breach or if you can purchase more coverage for the future. Remember, in this day and age, you can never be too cautious when it comes to your money and credit.