Fraud Protection
Definition
Credit card security features that detect suspicious activity and provide zero liability for unauthorized charges. Federal law limits cardholder liability to $50, but most issuers offer $0 liability.
By the numbers
What the data says
- Q2 2025
$18.39 trillion
Total US household debt
Up $185 billion in the quarter. Mortgages are $12.94 trillion of it.
Source: Federal Reserve Bank of New York, Household Debt and Credit Report - September 2025
3.0%
Consumer prices rose over the previous 12 months
Food up 3.1%, energy up 2.8%
Source: Bureau of Labor Statistics, Consumer Price Index - 2026 tax year
$32,200
Standard deduction for married couples filing jointly in 2026
$16,100 for single filers and $24,150 for heads of household
Source: IRS, Revenue Procedure 2025-32
National figures from the sources shown, as of the period on each card. They are context, not a forecast or advice for your situation.
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