For Life, Premium, Prestige, Explore, Business and Business Enhanced cards, all transactions are covered by Visa’s Zero Liability Policy. Zero Liability Policy coverage does not apply to transactions made with Life, Premium, or Prestige cards if you have been grossly negligent in handling your card or account. Zero liability policy applies to transactions made with Business and Business Enhanced cards only if we receive your notice about unauthorized transactions within 60 calendar days of the mailing date of the first statement showing unauthorized transactions.