A thief can commit card fraud in several ways, including:

• Card cloning/skimming: Attaching a skimmer device to a point-of-sale terminal, ATM, or fuel pump to covertly copy card details and PINs. The stolen data is then used to create cloned cards for unauthorized purchases or withdrawals.

• Physical theft: Stealing wallets or cards directly, enabling immediate use of the card to make purchases or withdraw cash. Family or acquaintances can also engage in fraud by using cards without permission.

• Phishing and social engineering: Tricking individuals into divulging card numbers, PINs, or other confidential information via fake messages or calls, which criminals use for unauthorized transactions.

• Application fraud: Using stolen or fake documents to open credit accounts in someone else's name and maxing out spending, leaving the real owner liable.

• Card-not-present fraud: Using stolen card details to make online purchases where the physical card is not required, often involving high-value goods or gift cards resold for cash.

• Hidden malware or fake keypads on ATMs to record PINs and card data when victims transact at the machines.

• Dumpster diving or mail theft to gather sensitive financial information from discarded statements or cards.

These are common ways thieves exploit payment cards to commit fraud.