Credit Card Fraud Protection: What’s Actually Covered

Credit cards offer strong fraud protection. Here’s what’s actually covered and how to use it.

What’s Covered

Unauthorized purchases: Someone steals your card info and makes purchases

Lost/stolen cards: Card is physically taken

Data breaches: Your info is compromised in a hack

Skimming: Card data stolen at ATMs or terminals

Prevention Tips

• Set up transaction alerts
• Use virtual card numbers when available
• Don’t share card details unnecessarily
• Monitor statements regularly
• Use secure websites (https)

Last updated: January 2026 Affiliate disclosure: ShortcutBest may earn a commission when you apply through our links.