[icelancer]

Why is there no legal recourse here outside of spending my own time/resources to cancel cards and deal with all the BS that occurs with that whenever this happens? There should be financial repercussions, each affected individual should be awarded monetary compensation for their time.

[dstaley]

I believe that since Chipotle was still using magstripe credit card readers that they are now financially liable for any fraudulent charges on your account.

[treyfitty]

A bit misleading- Chipotle is responsible for Chipotle transactions that get disputed as fraudulent. Not just any fraudulent charges (subsequent transactions occurring after a swipe at Chipotle).

[tyingq]

There is legal recourse. It just isn't automatic. Same thing if you slip and fall at a Chipotle. They offer as little as they think they can get away with, often that's nothing.

[brians]

You agreed not to get that when you got the card. And they agreed to pay you any money damages without arguing much. It's a good deal, but you can choose to use cash if you pref

[icelancer]

Not the card issuer. Chipotle.

[scott00]

Not a lawyer, but you probably do have cause for a lawsuit. Search "credit card data breach class action" and find lawyers/law firms who have handled similar cases in the past. If your data was compromised by a deep pocketed company and it was a large scale breach you can probably find a lawyer to file a class action on contingency.

[ryanlol]

Why do you need to cancel your cards?

[icelancer]

If card data was stolen.

[ryanlol]

Do you know for sure your card data was stolen?

If not, this isn't necessarily something you need to be very proactive about.

[icelancer]

No, but it has been in the past. I'm speaking theoretically in general when people are wronged by things like this.

[kingnothing]

Your credit card company should offer a $0 liability policy for fraudulent charges. If not, switch card companies. Then it's their problem not yours.

[icelancer]

Yes, they do. I still have to take time out of my day to audit the cards, challenge the payments, and then cancel the cards and get new ones, and update billpay everywhere else.

How hard is this to understand?

[ryanlol]

Yes, and if you're with a decent company chances are they'll automatically send you a new card if you've been affected.

[literallycancer]

Still requires you to notice a weird spend and file the complaint/whatever process they have.