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Credit Card Fraud: Charges
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TJX's Projected Breach Costs Increase To $216 Million - www.StoreFrontBackTalk.com - 11/13/07 - "In a footnote in its Tuesday earnings announcement, TJX increased its estimate of pre-tax charges for the world's worst credit card data breach to $216 million. Back in August, it had projected only a $168 million pre-tax hit."
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If you report your credit card missing before it is used without authorization, you may not be responsible for any of the unauthorized charges. Pursuant to federal law, if your credit card is used without authorization before you report it missing, the most you will be liable to pay is fifty dollars.
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If you lose or have had your credit card stolen, you should immediately report it to your card issuer. Once you report the incident, you are no longer responsible for unauthorized charges made on your card.
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There are many ways that you can end up with unauthorized charges on your credit card. Even though you are normally only responsible for the first $50 in fraud charges, and some banks will even waive that, the trouble you have to go through to get everything straightened out will cost you more than $50 in time and aggravation.
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