What is The cardholder not the Government liable for payments for?

The cardholder, not the government, is typically liable for payments related to personal charges made on their credit or debit card, including purchases, subscriptions, and fees. This liability extends to any unauthorized transactions if the cardholder fails to report them in a timely manner. Additionally, the cardholder is responsible for any interest accrued on outstanding balances and may be liable for charges that exceed their credit limit, depending on the terms of their card agreement.