Frank finds Thomass wallet, which contains numerous credit cards and Thomass identification. By using Thomass identification and

Question:

Frank finds Thomas’s wallet, which contains numerous credit cards and Thomas’s identification. By using Thomas’s identification and VISA card, Frank goes on a shopping spree and runs up $5,000 in charges. Thomas does not discover that he has lost his wallet until the following day, when he promptly notifies his VISA bank. How much can VISA collect from Thomas?