Credit card fraud can involve:

Credit card fraud primarily involves actions that manipulate or exploit the credit card system for illegal benefit. Creating or using a counterfeit credit card falls directly within the realm of criminal activity associated with credit card fraud. This includes manufacturing fake cards or using stolen card information to forge new cards, which are then used to make unauthorized purchases or transactions without the knowledge or consent of the legitimate cardholder.

Using a valid credit card online may not constitute fraud if the user is authorized; thus, it does not represent fraudulent behavior in the context of this question. Similarly, obtaining approval for high credit limits and transferring points between accounts can be legitimate activities within credit use and do not inherently indicate fraudulent actions. These activities do not involve deceptive practices aimed at financial gain via illicit means, hence not fitting the definition of credit card fraud as closely as the act of creating or using counterfeit credit cards.