# I lost my wallet, so FUCK ME!

**URL:** <https://boards.straightdope.com/t/i-lost-my-wallet-so-fuck-me/567671>\
**Category:** The BBQ Pit\
**Created:** [January 15, 2011, 2:41am UTC](https://boards.straightdope.com/t/i-lost-my-wallet-so-fuck-me/567671 "2011-01-15T02:41:36Z")\
**Posts on this page:** 1\
**Page:** 3

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**Author:** ![Rumor\_Watkins](https://avatars.discourse-cdn.com/v4/letter/r/d9b06d/32.png) [@Rumor\_Watkins](https://boards.straightdope.com/u/Rumor_Watkins)\
**Post date:** [January 18, 2011, 5:38pm UTC](https://boards.straightdope.com/t/i-lost-my-wallet-so-fuck-me/567671/41 "2011-01-18T17:38:15Z")

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> [@Ruby](#):
>
> If I understand correctly, debit cards don’t have the federal liability protections that credit cards do. I think there is a maximum $50 limit that you can be held liable for if your credit card is lost or stolen and you report it promptly. A debit card doesn’t have that limit.

Not quite.

If you report before any fraudulent charges, you aren’t liable for any subsequent fraud.

If you report within 2 days of loss, and there have been fraudulent charges, you are liable for $50. If you report after the 2 days, $500, and then it goes up to unlimited after a couple of months

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