I was just a victim of credit card fraud this morning and need to know which major issuer has the strongest zero liability protection policy today.
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
I was just a victim of credit card fraud this morning and need to know which major issuer has the strongest zero liability protection policy today.
2 real searches · 1 real-search pass
2026 current zero liability policies American Express Chase Capital One Citi Discover Bank of America credit cards unauthorized charges official termsGoogle ↗
OBSERVEDOther / navigational
CFPB FTC credit card unauthorized charges $50 liability Fair Credit Billing Act report fraud officialGoogle ↗
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)
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
2026 current zero liability policies American Express Chase Capital One Citi Discover Bank of America credit cards unauthorized charges official terms Google ↗
CFPB FTC credit card unauthorized charges $50 liability Fair Credit Billing Act report fraud official Google ↗
- How we protect you | Security | Chase.com · chase.com
- Citi® Card Benefits · cardbenefits.citi.com
- Visa Zero Liability Policy | Cardholder protection benefits · visa.com
- How do I dispute a charge on my credit card bill? · consumerfinance.gov
- Lost or Stolen Credit, ATM, and Debit Cards · consumer.ftc.gov
- Credit Card and Debit Card Fraud · occ.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current zero liability policies American Express Chase Capital One Citi Discover Bank of America credit cards unauthorized charges official terms OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 | |
CFPB FTC credit card unauthorized charges $50 liability Fair Credit Billing Act report fraud official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |