The liability for credit card fraud is determined by the terms and conditions of the credit card company and the credit card holder agreement 

Generally, credit card companies are responsible for reimbursing customers for unauthorized charges on their accounts 

However, the liability may differ depending on the specific circumstances of the fraud 

Credit card holders are usually not responsible for any unauthorized charges made on their accounts, as long as they report the fraud in a timely manner 

The Fair Credit Billing Act (FCBA) protects consumers by limiting their liability for unauthorized charges to $50 

Businesses that accept credit card payments are also at risk of credit card fraud 

In the event of credit card fraud, the liability is generally with the merchant who accepts the payment 

However, credit card companies may also hold some responsibility for fraudulent charges