Credit cards, you owe $50 at most

Federal law caps it at $50, and most card companies make it zero.

Debit cards, speed decides the cap

Within 2 days limits the loss to $50, within 60 days to $500, after that there is no cap. That is Regulation E. Quote it if you meet resistance, or file with the CFPB.

Ask the card company to reverse the charge. Billing disputes on a credit card run under Regulation Z.

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Used my card

Credit or debit card charged

Let's get this done

1Call the number on the card. Say “dispute, card not present.” Card not to hand: your provider's fraud line.

2Ask for a freeze and reissue. New card, new number, no charge for either.

3Report it once. ReportFraud.ftc.gov, two minutes.

Good to know

Started by Lauren
Improved by 1 other
Aug 2026

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