What protections does my credit card offer?

Last Updated: May 24, 2013 11:34PM UTC

Credit cards offer various consumer protections and cardholder benefits. These protections vary based on the card issuer and the credit card and often come at no extra cost. Typically, the only requirement is that you use your card for the transaction to be eligible for coverage.  Some protections your credit card may offer include:

‚ÄčZero liability protection - While federal law limits the liability of consumers for unauthorized charges to $50, some card issuers take this further by crediting the entire amount of unauthorized purchases back to consumers without any charges or fees.

Auto rental collision coverage - When reserving a rental car with your credit card, card issuers may provide complimentary collision coverage for your rental car when you turn down coverage from the rental company.

Extended warranty - When making a purchase with your credit card, the issuer may extend the manufacturer's original product warranty. This often includes doubling the initial warranty for up to one additional year of coverage.

Purchase security - If your purchase is lost, stolen, or damaged within a certain number of days from the purchase date, the card issuer may refund the purchase price up to a certain dollar amount.

Price protection - If you find a lower price on a purchase within a specified number of days, some cardholders will refund the difference up to a certain amount.

Luggage insurance - If your luggage is lost or stolen while traveling, you may be eligible for reimbursement for the lost baggage.

Check with your card issuer to find which protections and benefits are offered with your credit card.

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