If your credit card is lost, stolen, or used without your authorization, you do not have to pay for any unauthorized charges greater than $50 under the Truth in Lending Act.
Call your credit card company as soon as you know you've lost your card or that your card number has been used without your authorization.
Keep a list of the customer service phone numbers for your cards in your files and carry it with you when you travel, so you have the numbers for all your cards in one place if your wallet or purse is lost or stolen. You can also check your monthly statement or your credit card company's websites for a customer service number to call.
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