The Target emails are for real, but don't click on the link in it, Howard says.
If you have problem with bank or credit union restoring funds, file a complaint with the Consumer Financial Protection Bureau.
Taking time to put credit freezes in place is the homework assignment I would have for everyone listening, Howard says.
Bank can tell you they can protect you, and they should offer rock solid protections. But you shouldn't always trust banks, Howard says.
Only two of Howard's callers had significant losses they were not able to get back from bank.
Target's security breach overshadows the Adobe breach, Howard says.
We are starting with Clark Howard! Have a question? Be sure to send it to us on Twitter with #AskThe or post it in the comments section.
Leave a question now for consumer expert Clark Howard and come back at 11 a.m . Thursday to interact during a live Q&A.