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what are the protections in place? you know, what if, you know, $300 was charged and, you know, you are now out your $300 or it compromised your account in other ways, overdraft, how do you recover that? good question. there are two laws that protect the consumer. fair credit billing act. that is specific to credit cards. then there s the electronic funds act, specific to debit cards. if someone has stolen your credit card number and gone out and charged something, federal law limits your liability to 50 bucks, that s it. all four credit cards have zee owe liability policies. you are not out anything. you don t want someone out there trying to charge stuff on your card. your cap of liability, 500 bucks. the major difference between it s on you, the consumering. absolutely.