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If the card is not physically present (called CNP, card not present) the merchant must rely on the holder (or someone purporting to be so) presenting the information indirectly, whether by mail, telephone or over the Internet.

The credit card holder can be tracked by mail or phone.

There is also a new law that has been implemented that identification or a signature is only required for purchases above , unless stated in the policy of the merchant.

This new law makes it easier for credit card theft to take place as well because it is not making it necessary for a form of identification to be presented, so as long as the fraud is done at what is considered to be a small amount, little to no action is taken by the merchant to prevent it.

In some jurisdictions, it is illegal for merchants to demand card holder identification.

Self-serve payment systems (gas stations, kiosks, etc.) are common targets for stolen cards, as there is no way to verify the card holder's identity.

This method may deter casual theft of a card found alone, but if the card holder's wallet is stolen, it may be trivial for the thief to deduce the information by looking at other items in the wallet. In Europe, most cards are equipped with an EMV chip which requires a 4 to 6 digit PIN to be entered into the merchant's terminal before payment will be authorised.

For example, a large transaction occurring a great distance from the cardholder's home might seem suspicious.

The merchant may be instructed to call the card issuer for verification, or to decline the transaction, or even to hold the card and refuse to return it to the customer.

According to the United States Federal Trade Commission, while the rate of identity theft had been holding steady during the mid 2000s, it increased by 21 percent in 2008.

However, credit card fraud, that crime which most people associate with ID theft, decreased as a percentage of all ID theft complaints for the sixth year in a row.

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