Which activity involves gaining access to your credit or debit card information and using that information to create fake cards or make purchases?

• A. Identity theft
• B. Phishing
• C. Credit or debit card fraud
• D. Skimming

Answer: (C)

This question is about using stolen payment card data to commit fraud. When someone gains access to your card information and then uses that data to create counterfeit cards or to make unauthorized purchases, that specific misuse of card data is credit or debit card fraud. It targets the payment instrument itself and the transactions drawn from it.

Other terms describe related but different ideas. Identity theft is broader: it involves stealing personal information to impersonate someone or to access various accounts. Phishing refers to tricking people into revealing their information, often through deceptive emails or websites. Skimming describes a method of secretly capturing card data (like swiping a card through a device), which is how the data is obtained, but the act described in the question—using that data to buy things or make fake cards—falls under card fraud.