Card fraud remains a significant threat to financial security, with criminals employing tactics like phishing, skimming, and online card-not-present fraud to steal sensitive information. Phishing scams often involve fake messages or calls impersonating banks to extract card details, while skimming devices on ATMs capture card data for counterfeit use. Online fraud occurs when payment information is intercepted on unsecured websites or public Wi-Fi. To combat these risks, cardholders should adopt proactive security measures. Protecting personal information is crucial; legitimate institutions will never request passwords or verification codes via phone or text. Upgrading to chip cards, using reputable merchants, and setting transaction limits can enhance security. Additionally, enabling transaction alerts and using virtual cards for online purchases can help monitor and isolate risks. In the event of fraud, immediate action is essential. Cardholders should lock their card, preserve evidence, report the incident to the police, and contact their bank to initiate a chargeback. By staying informed and vigilant, individuals can better protect their financial assets against evolving fraud tactics.