What should you do if you suspect a fraudulent charge

While Visa’s Zero Liability Policy protects you from unauthorized charges, it’s still important to stay vigilant about activity on your account.

Review your transactions

The best way to spot suspicious transactions is to stay on top of your account activity. Get in the habit of reviewing your monthly statements to quickly spot anything that seems off.

Report suspicious charges immediately

If you have identified suspicious charges, report them to your financial institution. It is important to report suspicious transactions in a timely manner.

Get quick resolution

Once an unauthorized transaction is reported, your financial institution will investigate so you can have the issue corrected quickly.


Important things to note

Visa's Zero Liability Policy requires issuers to replace funds taken from your account as the result of an unauthorized credit or debit transaction within five business days of notification. Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa.


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Zero Liability FAQ

All you need to know about our Zero Liability protection.