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The Real Steal - Credit Card Loss Protection Offers
By lar
"I got a call from a woman who said I need credit card loss protection insurance. I thought there was a law that limited my liability to $50 for unauthorized charges. But she said the law had changed and that now, people are liable for all unauthorized charges on their account. Is that true?"
Don't buy the pitch - and don't buy the "loss protection" insurance.

Telephone scam artists are lying to get people to buy worthless credit card loss protection and insurance programs. If you didn't authorize a charge, don't pay it. Follow your credit card issuer's procedures for disputing charges you haven't authorized. According to the Federal Trade Commission, your liability for unauthorized charges is limited to $50.

The FTC says worthless credit card loss protection offers are popular among fraudulent promoters who are trying to exploit consumers' uncertainty. As a result, the agency is cautioning consumers to avoid doing business with callers who claim that:

�you're liable for more than $50 in unauthorized charges on your credit card account;

�you need credit card loss protection because computer hackers can access your credit card number and charge thousands of dollars to your account;

�a computer bug could make it easy

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