Jean-Marc Desperrier wrote:
I didn't say exactly that. I reported I heard the level of protection is lower in America, but I don't have the exact description of the difference, I might even be proven wrong. Or it might be different depending on the state.
I also was surprised, so I asked someone who hopefully knows better (an american).
It turns out that there are no laws on the books that specifically limit the liability of owners of credit cards, in the USA. At least, from that one person's perspective, I could also be wrong on this point, and we may want to dig further.
You got an incorrect answer. Please see : http://www.bankrate.com/brm/news/DrDon/20020617a.asp?keyword=CREDITCARDS&authorid=12&firstn=Don&middlen=&lastn=Taylor
* Unauthorized charges. Federal law limits your responsibility for unauthorized charges to $50;
However, the protection only applies to credit cards (ie. line of credits) because it is part of the Fair Credit Billing Act. If you use a US debit card, you are not legally protected by this. In that case, it is up to the bank to tell you how much you may be liable for in case of fraudulent activity, according to their policy. It may range from $0 to unlimited.
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