![]() If you report after 60 calendar days, you could be liable for the entire amount stolen. If you report after two business days, but less than 60 calendar days, you could owe as much as $500. If you report within two business days of learning about the theft, you may be liable only for $50. Depending on how fast you report your stolen debit card, you could owe various amounts of money. ![]() However, if someone uses your debit card before you report it stolen, the protections are not as generous. ![]() If your debit card is found to be missing and you report it stolen before the thief can use it, you will not be liable for any potential charges. Although credit cardholders have very little liability in the event of a theft, the story can be much different for those that own debit cards.
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