A woman named Joan reached out to News 12 to find out what her options were after she discovered some fraudulent activities on her credit card.

Joan states that she discovered two fraudulent charges for $99 for “membership fees” that she did not authorize. Joan says “I contacted Visa about the charges,” which confirmed they were fraudulent, but, “they told me because they were more than 60 days old, I was responsible for them.”

Credit experts do recommend using a credit card that offers fraud protection. But there are time limits. Under the law, a credit card company must reverse mistaken or fraudulent transactions for 60 days.

Most companies will allow customers more time – Visa and MasterCard typically give customers up to six months. American Express and Discover do not set firm time limits, but handle each case individually.

But this does not mean that a customer can wait for years to correct the mistake.

What should you do if you do not spot a fraudulent charge on time?

You can ask your credit card provider to make an exception – or go after the business that fraudulently charged you. But if you want to be able to report fraudulent charges and have them just go away, you have to check the monthly statements each month.