If you find transactions on your credit card account that you did not authorize, follow these steps to find out whether you can be reimbursed:
- Contact your credit card issuer immediately and report the unauthorized transactions. Also inform your local police.
- Check your credit card agreement. By law, your agreement must explain your maximum liability (the amount you would be responsible for) in the case of lost or stolen credit cards, or the unauthorized use of your credit card account number.
Visa, MasterCard and American Express have zero-liability policies, so that if your credit card is lost or stolen, or if someone uses your credit card number to make transactions you did not authorize, you can usually be reimbursed. FCAC monitors these commitments, so if you’re having difficulty, contact FCAC and we will review the complaint.
For more details, read about your rights and responsibilities with respect to credit card fraud.