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[Related: When to Use Credit or Debit] Reported unauthorized charges on a debit card can be reversed if you notify your bank within two days of learning of the theft, but you may still be responsible for up to of the amount you lost. If you report the unauthorized charges after two days, but less than 60 calendar days after your statement is mailed to you, the limit to your liability increases to 0.After 60 days, you’ll most likely have to shoulder the entire loss.Red flags can include: – Geographic region (countries other than your own, and areas in and out of the U. known as “fraud-prone” zones) – Uncharacteristic purchases – Numerous, small purchases (this may mean someone is testing your card first before going on a spending spree) If a red flag comes up, the transaction may be declined.In some cases, the account will be suspended until the card issuer can confirm that you are the person making the purchases and not the victim of a thief.Under some circumstances, you can be held liable for .If your number is stolen, but not the card, your liability is zero.If you’re near a local branch, you may be able to walk in and get a replacement immediately, particularly for lost and stolen debit cards.Debit card issuers generally investigate fraudulent charges within 10 days and take action within 3 days.
Even though phishing may be one of the most popular options for stealing people’s information, it’s hardly the only way a criminal could start charging you for their purchases. In this method, a thief uses a device to duplicate the information on your credit card.You’ll need to sign an affidavit explaining what happened, and you may be able to get your money back.Your liability for unauthorized use of a credit card is much lower.If you do notice an unauthorized charge on your credit card or funds missing from your bank account, call the card issuer to report the unauthorized charges.If you login to your account online or use the mobile app, you can report the theft those ways, too.