Q: What are the remedies for the victim of fraudulent credit card use?
A: If your credit card was used by a thief, the most you can be responsible for is the first $50 of those charges, and under VISA and MasterCard’s zero liability provisions, you shouldn’t even have to pay that. Write to your card issuer immediately disputing the fraudulent charges and send your letter certified mail with return receipt. If you have been a victim of identity theft, they may require you to submit an ID Theft Affidavit.
