Not all types of CC and transactions (ATM etc.) are covered. The following quote is also true:

"Financial institutions may impose greater liability on the cardholder if the financial institution reasonably determines that the unauthorized transaction was caused by the gross negligence or fraudulent action of the cardholder"

Most fraudelent transactions to which the card holder is not a privy are insured against regardless of the trnsaction being large or small ..

This is a common practice followed by most major credit card companies ... insuring the holder against fraudelent usage .

Obviously this does not include speaking your password aloud .

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Fido.