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Cardholder

An individual authorized to use a credit or debit card issued by a financial institution for making purchases or withdrawing funds.

[
Code
AT0007
]
[
Name
Cardholder
]
[
Version
1.0
]
[
Category
Customers, Clients & Private Individuals
]
[
Created
2025-03-12
]
[
Modified
2025-04-02
]

Related Techniques

T0091
|
Chargeback
|

Cardholders, whether using legitimate or stolen/synthetic identities, facilitate chargeback fraud by:

  • Initiating disputes under claims of non-delivery, defective merchandise, or billing errors.
  • Exploiting the legitimate refund process to transform illicit proceeds into apparently reimbursed funds.
  • Potentially collaborating with merchants to reinforce false claims and reintroduce the funds into lawful payment channels.
T0028
|
E-commerce & Marketplace Manipulation
|

Criminals use their own or stolen cardholder details to perform bogus online purchases. Refunds then appear as legitimate reversals of customer transactions, ultimately redistributing illicit proceeds back onto cards or accounts. This practice masks the source of funds and complicates financial institutions' transaction monitoring.