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NEW YORK — It’s one of the downsides of the anniversary arcade frenzy: a fasten in the basal of absent or baseborn acclaim and debit cards.

The amount increases by 19 percent during the anniversary arcade season, according to PNC Bank. But there are agency to abstain acceptable a victim — and abbreviate the repercussions if you do.

To start, it’s annual alive that — by law — you are accountable for a best of $50 in accuse if your acclaim agenda is absent or stolen.

The rules are a bit added complicated with debit cards. The aforementioned $50 absolute applies as continued as you acquaint your coffer aural two business days. But afterwards two days, your accountability for a absent debit agenda goes up to $500 and your accident is absolute if you don’t address crooked affairs aural 60 days.

That agency you could technically lose all the money in your annual and any accounts affiliated to it, addendum Ed Mierzwinski, chump affairs administrator for U.S. Public Interest Research Group, a nonprofit accumulation based in Washington, D.C. Thus the basal rule: Always address a accident or annexation anon to the coffer that issued your card.

In practice, abounding banks don’t authority their barter accountable for any accuse back a debit or acclaim agenda is baseborn or lost. But you could be awkward while your coffer is attractive into any claims.

“While your coffer is administering its investigation, you don’t accept that money. And added checks or debits may bounce,” Mierzwinski said.

Banks may additionally allegation to alter absent cards. In September, for example, Coffer of America instituted a $5 fee to alter absent debit cards, with brief blitz commitment costing $20. Both casework acclimated to be free.

To anticipate losses, annexation and accompanying hassles, PNC Coffer is acquisitive to accession chump awareness. Mark Ford, chief carnality admiral of agenda casework at the Pittsburgh-based bank, reminds cardholders to accumulate active while they’re shopping. He says abounding barter artlessly leave their cards abaft at restaurants and food in the frenzy.

If you agenda is confused or stolen, Ford suggests filing a badge report. It gives third-party abutment to your case and he said it could advice the coffer investigate your claim.

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