Credit Card Fraud

Catch early. Recover fully.

Spot fraud

Check statements monthly (or weekly).
Use bank app for instant alerts.
Charges you don't recognize.
Charges in unusual locations.
Multiple small charges (testing).
Subscriptions you didn't sign up for.

Found fraud — act NOW

Call card company immediately (number on back).
Report fraud charges.
They issue new card + reverse charges.
Federal law caps liability at $50 (often $0).
Update auto-pay accounts with new card.
Place fraud alert on credit reports.

Disputes

60 days to dispute charge from statement.
Call OR submit online via portal.
Provide details, receipts, screenshots.
Card freezes charge while investigating.
Most resolved 30-90 days.
Win rate: 80%+ for clear fraud.

After fraud — protect

Free credit freeze at 3 bureaus (Equifax, Experian, TransUnion).
Identity theft report at FTC IdentityTheft.gov.
Police report (some banks require).
Free credit monitoring (most banks include).
Change passwords on financial accounts.

Prevent fraud

Bank alerts on every charge over $X.
Apple Pay / Google Pay = much safer than swipe.
Don't save card info on shady sites.
Lock card in app when not using.
Don't use ATMs at gas stations (skimmers).
Cover PIN entry.

If overwhelmed

If victimized + confused — Identity Theft Resource Center (idtheftcenter.org) free help. AARP Fraud Watch helpline 1-877-908-3360. Trusted family member can help reach out. Don't try to handle alone if anxiety. Help available.