Do these 3 things before closing this tab:
1Scan for outdated or missing drivers - takes under a minute2Repair Windows errors before they cause bigger problems3Fix the driver behind crashes, sound loss and screen glitchesIf you see a credit-card charge you did not make, contact the issuer immediately through its official app, website or the number on your statement. Ask it to secure the account and explain the dispute process, then keep records and check for further unauthorized activity. Fast reporting also matters when a card is lost or stolen.
What should I do if I see a charge I didn’t make?
- Verify the transaction. Compare the amount and merchant with receipts, subscriptions, travel bookings and purchases by authorized users. Some merchants appear under a parent-company or payment-processor name.
- Contact the issuer promptly. Use the official app, the issuer’s website or the phone number printed on your card or statement—not a number supplied by an unexpected caller or text message.
- Ask for account protection. Tell the representative which charge is unfamiliar and ask whether the card or account should be blocked, replaced or otherwise secured.
- Follow the issuer’s dispute procedure. Unauthorized charges are billing errors covered by the Fair Credit Billing Act process. Ask where to send a written billing-error notice if the issuer requires one.
- Keep an evidence file. Save statements, receipts, emails, confirmation numbers, dates, representative names and copies of any letters you send. Continue reviewing activity for additional charges.
The Federal Trade Commission explains the billing-error process and unauthorized-charge disputes in Using Credit Cards and Disputing Charges.
How do I report a lost or stolen credit card?
Report the loss immediately through the issuer’s official app, website or the number on a statement or the card. State when you noticed the loss, request that the account be secured and ask for a replacement card and new account number if appropriate.
Follow up promptly in writing when the issuer’s instructions call for it. Include identifying account information, when you discovered the loss and when you reported it. Keep a copy and proof of delivery. The FTC’s instructions are in Lost or Stolen Credit, ATM, and Debit Cards.
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How much are you responsible for?
For a credit card, the FTC describes a maximum potential liability of $50 for unauthorized charges made before you report the loss. You are not responsible for unauthorized credit-card charges made after you report a lost card. These protections concern credit cards; do not substitute debit-card reporting deadlines or liability rules, which are different.
Report even a small suspicious charge. It can indicate that account information has been exposed, and prompt issuer action helps protect the account and preserve applicable dispute rights. The FTC’s consumer guidance is the authority for the credit-card protections described above: lost or stolen cards and billing disputes.
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Existing-card fraud versus identity theft
The right response depends on what happened. A suspicious transaction on a card you already have is an existing-account problem; a criminal using your information to apply for a new account is new-account identity theft.
| Situation | Primary action | What it does not replace |
|---|---|---|
| Unauthorized charge on an existing card | Review activity, contact the issuer, secure the account and dispute the charge. | Credit freezes and fraud alerts do not monitor transactions on the existing card. |
| Lost or stolen physical card | Report it immediately through an official issuer channel; follow up in writing when instructed. | Do not wait for a statement to arrive. |
| Suspected new-account identity theft | Place a credit freeze or fraud alert and report the identity theft at IdentityTheft.gov. | A freeze or alert does not dispute an existing card transaction. |
What is the difference between a credit freeze and a fraud alert?
| Feature | Credit freeze | Initial fraud alert |
|---|---|---|
| Purpose | Restricts access to your credit report, making it harder to open new credit in your name. | Asks businesses to verify your identity before opening new credit. |
| Cost | Free. | Free. |
| How to place it | Contact Equifax, Experian and TransUnion separately. | Contact one of the three nationwide bureaus; it must notify the other two. |
| Duration | Stays in place until you lift it. | Initial alert lasts one year. |
| Credit score | Does not affect your credit score. | Does not itself change your credit score. |
| Best use | Strong protection when you do not expect to apply for new credit. | A lower-friction warning while you monitor for attempted new accounts. |
Neither tool is a substitute for checking card transactions or reporting an unauthorized charge to the issuer. The FTC explains both tools at Credit Freezes and Fraud Alerts.
How to prevent credit-card fraud
- Review activity and statements regularly. Match transactions with receipts and investigate unfamiliar entries quickly.
- Turn on multifactor authentication. Use it for the issuer’s website or app whenever available, preferably with an authenticator app or security key where offered.
- Protect account details. Do not give card numbers, security codes, passwords or one-time codes to an unexpected caller, email sender or text message. End the contact and initiate it yourself through a trusted channel.
- Secure physical records. Store cards and statements safely, and carefully dispose of card-related papers. A cross-cut shredder can help destroy paper records; it does not detect fraud or replace account monitoring.
- Be skeptical of “loss-protection” offers. The FTC warns that sales pitches for credit-card loss-protection insurance are scams; federal protections already address unauthorized credit-card use.
- Limit exposure. Keep only the cards you need in your wallet, avoid posting card images and use reputable merchants and secure connections.
What if the problem involves broader identity theft?
If someone used your personal information beyond a single card transaction, report it at IdentityTheft.gov. The FTC’s recovery process helps you create a plan, document what happened and address affected accounts. Place a freeze or fraud alert when new-account misuse is a concern, while separately disputing any existing-card charges with the issuer.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Records to keep after reporting fraud
- Date and time you noticed the charge or loss.
- Date, time and channel used to contact the issuer.
- Case or confirmation number and representative’s name, if provided.
- Copies of statements, receipts, written notices and delivery records.
- Dates of replacement-card delivery, account changes and any follow-up calls.
These records make it easier to show when you reported the problem and to track unresolved disputes.
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