when reviewing her monthly credit card bill emma was shocked to find several small transactions at stores that she did not recognize concerned that her card may have been compromised she contacted her credit card issuer to notify them about the potential theft 
after investigating the matter emma s credit card issuer confirmed that her credit card information had been stolen and used by the thief to make online purchases because the purchases in question were for relatively small amounts the thief was able to avoid detection by deliberately making purchases from online merchants without zero floor limit policies thankfully the credit card issuer agreed to reimburse emma for the fraudulent transactions while also mailing her a replacement credit card in doing so they informed emma that going forward the credit card company would be requiring all merchants to impose zero floor limit policies in order to reduce the risk of such theft in the future 