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If your credit card or debit card is stolen

More than a decade ago, when I was living in South Beach (town motto: “It’s a great place to visit, but you wouldn’t want to live here…Seriously, it sucks”), the last year I was there, my apartment was broken into twice and someone tried to steal my car.  Sign from God to move?  You be the judge.

Anyway, as part of the first theft, a bunch of credit cards were stolen, and I remember how much it sucked to deal with reporting it, but it was really important to do so.

Recently, a friend discovered that, even though they didn’t physically lose their debit card and hadn’t given out the PIN to anyone, someone got access to their account and drained it.

Merry Christmas.

Luckily, even with debit cards, you have protection, as long as you report it promptly.

Your rights can be found here.  I’m not a lawyer, and I don’t play one on TV, but as I read it, as long as you report unauthorized activity within 2 days of discovering it, your liability is $50.

Protect yourself.

posted on Wednesday, December 15, 2010 10:23 PM Print
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