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又被盗刷了！2025年在美国如何更有效地保护个人信息 如果是银行卡被盗刷，根据《电子转账法》（Electronic Fund Transfer Act），如果盗刷事件在2天内被发现并报告给银行，消费者最高可能承担$50的损失；如果在60天内报告，消费者最高可承担$500的损失；如果超过60天才报告，则消费者需承担全部损失。