Many credit-card holders never use benefits such as zero liability for fraudulent charges, and many run into hurdles when they do try to use them, according to Auriemma Consulting Group.

Auriemma's monthly "Cardbeat" report on a survey of credit card customers said issuers often bury descriptions of some features — listing them as bullet points in direct mail card offers, for example. As a result, consumers may not be aware of some of the rewards and issuers receive little promotional benefit.

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