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At Experian, one of our priorities is consumer credit and finance education. This post may contain links and references to one or more of our partners, but we provide an objective view to help you make the best decisions. For more information, see our Editorial Policy. Credit card companies and merchants put many measures in place to prevent credit card fraud, and they’ll investigate fraud when it happens.

Generally, you won’t be responsible for any unauthorized charges if you report the card stolen or dispute unauthorized transactions right away. Credit card fraud is when someone uses your credit card or account information to make purchases without your permission. It generally gets broken into two categories. Once you report an unauthorized transaction, the credit card company may work with you to confirm it’s a case of credit card fraud rather than a simple mistake.

For example, a merchant overcharging for a purchase you made or failing to deliver a product is not necessarily credit card fraud. You may be able to initiate a chargeback and get refunded—but you wouldn’t go through your card issuer’s fraud channels to do so. Once a suspected fraud transaction is noticed, your credit card issuer may cancel your card, send you a replacement and start a fraud investigation.

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The Internal Revenue Service IRS continues to calculate and automatically send the Payments to most eligible individuals, however some may have to provide additional information to the IRS to get their Payments. Below are answers to frequently asked questions related to these Payments. These questions and answers will be updated periodically. For eligible taxpayers who filed tax returns for or , they receive the payments automatically. Although some filers, such as high-income filers, will not qualify for an Economic Impact Payment, most will.

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