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You "can lose no more than $50 if you fail to give us notice of your lost or stolen card and/or code and your card and/or code is used without your permission." There is also an additional limit on liability for a VISA Check Card which is "Unless you have been grossly negligent or have engaged in fraud you will not be liable for any unauthorized transactions using your lost or stolen Visa Check Card. This additional limit on liability does not apply to ATM transactions or to transactions using your Personal Identification Number which are not processed by VISA."