If you report it before any charges are made on it, you are not liable for anything at all, even if a charge does go through after your report. If you report it within two business days of the theft, you are liable for up to $50. If you report it after more than two business days but fewer than 60 calendar days, you are liable for up to $500. After that, you are liable for the entire amount stolen, including money taken from other accounts linked to the card.