Am I responsible for unauthorized charges if my credit cards are lost or stolen?
Answer: If you report a lost or stolen credit card before it is used, the card issuer cannot hold you responsible for any unauthorized charges.
If there is unauthorized use of your card before you report it missing, the most you will owe for unauthorized charges on the card is $50. You have no liability if someone makes unauthorized charges using your credit card account number. Many cardholder agreements say you are not responsible for any charges in any of these circumstances.
If you have not lost the card itself, but your account number has been stolen, you have no liability for unauthorized use.