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liability for credit card charges

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I recently received from a friend a warning about several ways in which your crdit card can accessed w/o your knowledge

1/ clerk with cell phone with camera takes picture during transaction

2. card substitution with expired card in restaurant

3 card substitution expired card in gym lockerroom

very clever if your are not vigilant.

My question: this warning indicated that you would be liable for any charges but I thought you were liable at most for $50 even if you did not report stolen or lost

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