Real ChatGPT answer · index seed1yHOGxc2fXIcompleteFinance and banking · credit cardsinformational

Can you explain how zero liability fraud protection works on my credit card if unauthorized charges show up on my monthly statement?

ChatGPTgpt-62 queries10/31/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
Can you explain how zero liability fraud protection works on my credit card if unauthorized charges show up on my monthly statement?
2 real searches · 1 real-search pass
CFPB unauthorized credit card charges billing error 60 days zero liability credit card fraud rightsGoogle ↗
OBSERVEDReason
FTC credit card unauthorized charges liability $50 billing error dispute 60 days Fair Credit Billing ActGoogle ↗
OBSERVEDConsequence

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (2)
Short factOther / navigationalComparisonConsequence50%Reason50%DefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT2 real searches · gpt-6
CFPB unauthorized credit card charges billing error 60 days zero liability credit card fraud rights Google ↗
FTC credit card unauthorized charges liability $50 billing error dispute 60 days Fair Credit Billing Act Google ↗

Queries

2 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
CFPB unauthorized credit card charges billing error 60 days zero liability credit card fraud rights
OBSERVED
Google ↗
AI Mode ↗
—Reason——1x
of 1
FTC credit card unauthorized charges liability $50 billing error dispute 60 days Fair Credit Billing Act
OBSERVED
Google ↗
AI Mode ↗
—Consequence——1x
of 1