# The letter should contain your card number, the date the card was missing, and the date you reported the loss. # Once you report the lost card, you are not responsible for any unauthorized charges. # Even if you are late in reporting the loss, or were not aware of the unauthorized use until your next statement arrives, your liability is limited to $50 per card by federal law. However, it may be much more difficult to protect your rights if you negligently fail to report the loss of the card or the unauthorized charges on your statement in a timely manner. # When you report credit card fraud to your issuer, you will be sent a fraud affidavit for you to fill out, sign and return. - Brian Dresher