CNP fraud (Card Not Present fraud)

CNP (Card Not Present) fraud occurs when someone uses your credit or debit card information to make online or phone transactions without physically using the card. Since the card isn't being swiped or inserted, the fraudster relies on stolen details like card numbers, expiration dates, and security codes. This type of fraud is common in e-commerce, where verifying the card's physical presence isn't possible. Protecting yourself involves monitoring account activity, using strong passwords, and enabling security measures like two-factor authentication to reduce the risk of unauthorized transactions.