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Qualification Terms
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To qualify for Credit Card Fraud Protection coverage, you must notify us promptly upon loss or illegal use of your credit
or debit card(s).* We will accept full responsibility for your liability for all fraudulent charges to your lost cards
from the moment you notify us of the loss/theft of your cards. This liability coverage applies only to fraudulent charges
that occur while you are a Member of this service. Also, this coverage is in addition and subordinate to any coverage
provided by your card providers and your other insurance carriers.
* Under Federal law, for debit and cash machine cards, consumer's liability for fraudulent use of the card is up to
$50 if a consumer notifies the card issuer of card loss within 2 days. After that, consumer's liability is up to $500.
Or, if a consumer does not notify the card issuer within 60 days of receipt of a monthly statement showing unauthorized
charges, then the consumer's liability is up to $50 and the total amount of unauthorized charges that occurred after the
60-day period and before notice, provided that the card issuer establishes that the unauthorized charges would not have
occurred if the consumer had notified the card issuer within that time.
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How to Make a Claim
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You can initiate a claim on this site. You need to submit a claim within 1 year of the occurrence that triggers the
claim. You will need to submit a completed claim form along with a copy of the credit/debit card statement(s) that
includes the liability charge. You must include the name of the credit/debit card, the state in which it operates and a
phone number for the institution(s) if these are not visible on the copy of the statement(s).
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Reimbursement Terms and Limitations
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As a Member of this service, if you are held liable for unauthorized charges made to your credit and debit cards, our
Credit Card Fraud Protection reimburses you to the extent of the payment(s) made by you to cover fraudulent charges
assigned to you by your card issuer(s).* The maximum Fraud Protection coverage for credit cards is the lesser of $50 per
registered credit card lost or the amount for which a Member is personally held accountable. The maximum Fraud Protection
coverage for debit cards is the lesser of $500 per registered debit card lost or the amount for which a Member is
personally held accountable. The maximum coverage per person (Member) is $1,000 per year.
* Under Federal law, a consumer can be held liable for up to $50 in unauthorized charges on each credit card. For
debit cards, a consumer can be held liable up to $500 on each debit card or, in limited circumstances, up to the full
amount in your account(s).
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