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Luckily for Brooke her parents let her keep the cookies, but donated the dollhouse to a local children's hospital in Dallas. Sometimes our kids get little toys tangled in their hair when we aren't looking and it requires us to spend a million painstaking hours to gently disentangle every single strand of hair. Pipi's mom was astonished and probably a little proud that she has such a quick little learner when she received an email telling her she was going to love her digger. The offers that appear on this site are from companies from which CreditCards. RELATED ARTICLES

It's a crime that can go undetected for years, but seems to be on the rise

Schoolboy, 12, uses father's credit card to spend £7,000 on online gambling sites in a WEEK

Charity director Ross Carroll said: Controversially, Mr Hind is organising a charity poker tournament in Monaco to raise money to support Prevention Town. The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. Soon-Yi Previn eviscerates 'vengeful and abusive' mother Mia Farrow as she breaks silence to defend 'pariah' husband Woody Allen against her claims he abused adopted daughter Dylan Key Republican senator threatens to vote NO on Kavanaugh: Woman who accused Supreme Court nominee Brett Kavanaugh of sexually assaulting her as a teen reveals herself to be a University professor, aged 51, as she goes public with her harrowing account Man, 22, in a wheelchair is charged with murdering his mother, grandmother AND sister who were found with multiple gunshot wounds in the backyard of their Mississippi home PICTURED: Grandmother of infant boy who was among the first victims of Florence describes her son's horror at being pinned by fallen tree alongside his dying wife and child Previous.

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Even better, most card companies have zero-liability policies that add protections beyond federal law -- meaning they'll let you off the hook for the entire amount. MasterCard clarifies that its zero-liability policy applies to all unauthorized transactions, whether made in a store, by telephone, or online, as long as your account is in good standing and you "exercised reasonable care in safeguarding your card from loss or theft. Defining unauthorized use The challenge is that it's not entirely clear what constitutes "unauthorized use.

However, some card companies, including Bank of America and Capital One , specify that fraud protection applies only when credit cards are lost or stolen. Once you report an unauthorized charge, your credit card company launches its own investigation and may ask you to provide the police report number of your complaint with local law enforcement officials. Sure, your kid used your credit card without your permission.

But did he really steal it? Some parents feel like they have to say yes in order to get fraud protection. Billy Pinilis, a New Jersey-based consumer fraud lawyer, says that in the United States, the law doesn't distinguish between a kid buying virtual coins in an app or pilfering your credit card from your wallet to go on a shopping spree -- or for that matter, a thief taking your wallet from your car.

An unauthorized purchase is an unauthorized purchase. Consumers weren't liable for these charges anyway. What the FTC did was benefit the credit card issuers. When you report an unauthorized purchase, he adds, "It's not an accountholder's obligation to fill out any criminal reports or do anything of the sort.

All they have to do is make it clear that they didn't authorize the charge. But a credit card company that disputes its cardholder's version of things may refuse to reimburse the money.

In that situation, Pinilis recommends seeking the counsel of a lawyer who specializes in credit card fraud you can find one through the National Association of Consumer Advocates. If your card company doesn't believe that your kid's charges were unauthorized, "it's incumbent upon the credit card company to demonstrate that in court. It's not an accountholder's obligation to fill out any criminal reports or do anything of the sort. Bottom line, says Pinilis: You shouldn't necessarily take as true what they're telling you.

Keeping kids from your cards: Financial literacy expert Neale Godfrey, the chairman of Green Street Commons, which produces apps that teach kids about money, believes that the FTC-Apple settlement shouldn't have relieved parental responsibility.

By all accounts, preventing family identity theft, or even inadvertent purchases, is simpler than crossing your fingers that your card company's zero-liability policy kicks in fast.

Here's how to do it:.