Unfortunately, wallets and purses do get stolen or lost on a regular basis. Your biggest concern is usually the fact that your credit cards are missing. If this happens to you, do you have a plan of action? Well, you should. It really isn't as daunting to come up with a action plan as it seems like it should be. All reputable companies have a set policy that helps to protect you against loss or theft. All you need to know is how to get this policy to work for you.
Help! My Was Stolen!
Never fear, help is here! The first thing you need to do is report the stolen card to the company as soon as possible. Most companies have a toll-free number or an online service that deals solely with this problem.
Fortunately for you, federal law dictates that you are only liable for the first $50.00 of any fraudulent charges made on a charge card. Still, you are required to report the lost or stolen card even though you're not going to take a huge hit. Here's a little extra incentive to make the call fast: If you report the loss or theft before any unauthorized use, you don't even pay the $50.00.
Many card issuers are waiving the $50 exposure,
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