Am I liable for fraudulent charges on my credit card or for accounts opened by the identity thief?

If you find out that someone has run fraudulent chargers on your credit card, you should contact the credit card company right away. Several credit card companies have zero-tolerance liability policies, which means that you will not be held responsible for any unauthorized charges made on your accounts. Additionally, under federal law, your liability for any fraudulent charges is limited to $50 if someone uses your credit card prior to the time at which you report it missing to the credit card company.

However, if you report the loss before the identity thief uses the card, you are not liable for any charges. Nor are you responsible if the thief steals and uses just the card number. Furthermore, if you discover that an identity thief has opened accounts in your name, contact each creditor to inform them of the fraud.

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