Use Other People’s Money for Free
Protection for Purchases
Protection for Losses
Travel Advantages
Car Rental Savings
General Tips

Smart Strategy:
Keep in a safe place a list of your credit card numbers and the phone numbers to call if they are lost or stolen (not in your purse or wallet). Call immediately if you think you’ve lost them.

Lose your wallet or purse filled with cash and you may be out of luck. Lose your credit cards, though, and it may be a little hassle getting them replaced, but that’s about it.

Under the federal Truth in Lending Act, the most you can be held responsible for is $50 in unauthorized charges. And that’s only if your card was actually stolen and used. If someone just steals your card number without taking the card itself, your liability is zero. This is more protection than your debit card provides you.