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Due to the zero liability guarantee endorsed by nearly all online creditcards issuers, if your plastic is nicked by a card thief you are normally liable for a miniscule fraction of the unauthorized purchase of goods charged to the card - if you`re obligated to pay anything at all. Even in the eventuality that a person who has stolen the card charges thousands of dollars on your online creditcard, a Zero Liability guarantee ensures you aren`t out of pocket to cover these unauthorized transactions.
You`re not the only one affected by your stolen creditcard, though. The retailers who okayed the purchase transaction on the stolen card (unaware that it was being used fraudulently, naturally) have to kiss goodbye to the price of the goods purchased on the online creditcard, not to mention putting in much application of energy (and time) in the effort to salvage some of their costs.
Do you know who pays for the financial losses arising from fraudulent use of stolen plastic cards? Since, on account of the zero liability policy, cardowner of the pilfered card isn`t liable to pay for the unauthorized purchase transactions; and the person who stole the card is rarely caught; and the sellers are out of pocket on the commodities that were charged to stolen online credit cards -- who`s left to pay for all these financial losses? Consumers. Merchants increase the price of goods, and credit card online companies increase their rates of interest and credit fees in order to help cover the losses from card theft.
So, although the person who`s the victim of plastic card theft isn`t required to take care of the fraudulent charged amounts, all other cardholders -- who are already shelling out money for their purchases -- are paying steeper fees to counter the financial damages caused by the stolen cards.
Statistical analyses released by the Retailers` Association show an annual shortfall in stocks of over $37 billion nationwide, resulting from theft by staff members, shoplifters, fraud perpetrated by merchants, plus administrative mistakes.
The vice president of Loss Prevention for the NRF (National Retail Federation), based in the capital city of the United States, said they have devised a tracking system that the police and similar law enforcement communities, as well as business groups can utilize to monitor nationwide theft. The Attorney General`s staff isn`t empowered with direct authority when it comes to the prosecution of card thieves and shoplifters, although the state assists people and businesses who have been targets of such crimes. The local police force and DA`s office oversees the prosecution. While the objective is to act on behalf of consumers by protecting their rights, this doesn`t have to mean that to stand up for consumers we`ve got to oppose vendors and retail stores.
Statistics indicate that just about one out of every eight or nine cases of credit card fraud are notified to the state`s consumer protection office. Cons and fraudulent activities are rampant -- even more so than most of us are aware of. There`s hardly a week when law enforcement groups aren`t notified of some manner of hoax, con, or fraud by at least one person or business group.
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