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    Am I covered if someone uses my debit card or credit card fraudulently?

    Yes! No matter how you pay, Visa has you covered with zero liability. Visa’s Zero Liability Policy is our guarantee that Visa cardholders won’t be held responsible for unauthorized charges made with their account or account information.

    How it works: Visa chip cardholders can shop worry-free at millions of locations

    The cardholder reviews their monthly statement and immediately reports any unauthorized charges to their financial institution.

    Once reported, Visa’s Zero Liability Policy requires their financial institution to investigate and resolve things quickly.