How does Visa Zero Liability work?

You can use your card to shop with confidence. That’s because Visa and our UMe Fraud Busters protect your card information 24/7, and you won’t be held liable for unauthorized purchases made with your card or account information.

Review your account and statements frequently and report fraudulent charges. Take the time to look at your account and monthly Visa statement. Let us know as soon as possible if anything appears incorrect, so we can take swift action to regain control of your account and resolve the situation for you.

Count on quick resolution and provisional credit if your card is lost or stolen.* If your account is compromised, it is our mission to set things right without further aggravation or inconvenience to you. We follow Visa’s policy and extend provisional credit for losses from unauthorized card use within 5 business days of notification of the loss.