Credit and payment card theft is a significant threat that refers to fraud conducted with a payment card, such as a credit or debit card. The purpose of the theft could be to get goods or services or make a payment to a criminal-controlled account. Credit card fraud can be authorized when the actual cardholder processes payment to another account that a criminal controls. The theft can also be unauthorized if the account holder does not permit the payment to proceed and a third party carries out the transaction.