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If a thief uses your card before you report it missing, the most you all credit cards no annual fee will owe for unauthorized charges is $50. This is true even if a thief is able to use your at an automated teller machine [atm] to access your account.
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Under federal law, if your is used without your authorization, you can be held liable for up to $50 per card. If you report the loss before the card is used, federal law says the card issuer cannot hold you responsible for any unauthorized charges.
