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Credit Card Fraud

Protecting Your Finances

Credit card fraud involves stealing and using credit card information without permission, causing unauthorized transactions and financial losses.

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Types Of Credit Card Fraud

What Is Credit Card Fraud?

Credit card fraud happens when someone gains unauthorized access to your credit card information and uses it for purchases or withdrawals. The consequences can include unauthorized charges, damaged credit scores, and prolonged disputes with banks and merchants.
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Lost or Stolen Card Fraud

Criminals physically steal or find a credit card and use it for unauthorized transactions. Immediate reporting to the card issuer is crucial to prevent losses.

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Counterfeit Card Fraud

Scammers clone a credit card using information obtained from skimming devices. Skimming involves stealing card details through devices installed on ATMs or point-of-sale systems.

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Account Takeover Fraud

Fraudsters gain access to an existing account by hacking or social engineering. Once in control, they change the account's contact information and make unauthorized transactions.

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Card-Not-Present (CNP) Fraud

Fraudsters use stolen credit card information to make online, phone, or mail purchases. The physical card is not required, making it harder to detect.

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Application Fraud

Criminals use stolen personal information to apply for a new credit card in the victim's name. Victims might only discover the fraud when they see their credit report or receive debt collection calls.

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Card Testing Fraud

Fraudsters test a card's validity with small transactions before making larger purchases. Usually involves automated "carding" software.

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Mail Non-Receipt Fraud

New or replacement cards are intercepted in the mail before reaching the legitimate cardholder.

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Fraudulent Chargebacks

Cardholders falsely claim unauthorized transactions to get a refund while keeping the merchandise.