Card-Not-Present (CNP) Fraud
Criminals use stolen card details to make purchases online, by phone, or through mail orders—no physical card needed, making detection more difficult.
What Is Credit Card Fraud?
Credit card fraud involves the unauthorized use of your credit card details for purchases or cash withdrawals. It can result in unexpected charges, harm to your credit score, and time-consuming disputes with banks or retailers.
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Lost or Stolen Card Fraud
A missing or stolen card is used for unauthorized purchases. Promptly notifying the issuer helps minimize damage.
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Counterfeit Card Fraud
Scammers create cloned cards using data skimmed from ATMs or point-of-sale terminals via hidden devices.
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Account Takeover Fraud
Hackers or social engineers gain access to an existing account, change contact details, and carry out unauthorized transactions.
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Application Fraud
Using stolen personal data, fraudsters apply for new credit cards in a victim's name. Victims often discover this through credit reports or collection notices.
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Card Testing Fraud
Thieves make small transactions to test if stolen card data works, often before initiating larger fraudulent purchases.
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Mail Non-Receipt Fraud
New or replacement cards are intercepted during delivery and used before reaching the rightful owner.
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Fraudulent Chargebacks
Some cardholders falsely dispute legitimate charges to obtain a refund while keeping the goods or services.