Credit card fraud is when someone uses one or more of your cards without your permission. The thief may use your card to buy things or to take money out of an account. Fortunately, the law limits your financial liability in cases of credit card fraud. Still, it's important to act quickly if you're a victim of credit card fraud.
If you suspect credit card fraud, contact your credit card company immediately. They can:
If you suspect you’re a victim of credit card fraud or identity theft, it’s important to act quickly to help protect yourself.
It's also a good idea to check your credit report to make sure nothing looks suspicious. Each major credit-reporting agency must provide you with a free copy of your report once a year upon request. Visit annualcreditreport.com to request a free annual credit report. Once you receive your credit report, look for credit inquiries from companies you don't recognize, accounts you did not authorize and addresses that you don't recognize.
What to do if your identity is stolen
Identity fraud is a type of fraud in which a thief uses your personal information to set up new accounts or get other benefits in your name. If you ever suspect that you’re a victim of identity theft:
Arm yourself with additional knowledge
Bank of America has assembled a variety of privacy and security resources that can help you learn more about how help to protect yourself against credit card fraud and identity fraud.