1 Covers U.S.–issued cards only. Mastercard®'s Zero Liability Policy does not apply to commercial credit card or ATM transactions, or to PIN-based or other transactions not processed by MasterCard®, or if you are grossly negligent or fraudulent in handling your card or card number. Your card account must be in good standing, and you must report all unauthorized transactions as soon as possible. You may not be covered if you have reported two or more unauthorized transactions within the last 12 months. Certain unauthorized transactions require a cardholder signature prior to issuing provisional credit.
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