SESKStuff Everyone Should Know
SESK: Stuff Everyone Should Know · sesk.info/trav-lost-debit-card-liability

Thieves already used your lost debit card. You report it within 2 business days of noticing. What is your maximum loss?

$50 if you report within 2 business days.

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  1. $0
  2. $50 ✔
  3. $500

Why: Under the FTC's summary of the rules, reporting within 2 business days of learning of the loss caps your loss at $50. Wait longer and it can reach $500, or more.

Huh, didn't know that: For credit cards, the most you might owe is $50, and generally nothing if you report before any unauthorized use.

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Losing a card on vacation is the one time I wish my wallet came with a GPS.
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References

Answer: $50. Under the FTC's summary of the rules, reporting within 2 business days of learning of the loss caps your loss at $50. Wait longer and it can reach $500, or more.

  1. Lost or Stolen Credit, ATM, and Debit Cards, FTC consumer.ftc.gov/articles/lost-or-stolen-credit-atm-and-debit-cards
    within 2 business days after you learn about the loss or theft
    Checked 2026-10-10.

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