Texas Commission on Law Enforcement (TCOLE) Practice Exam 2025 - Free TCOLE Practice Questions and Study Guide

The act of using someone else's credit card without their permission is best described as credit card abuse. This term specifically refers to the unauthorized use of a credit card, which can involve a situation where someone uses another person's credit card details to make purchases or access funds without consent.

While fraud generally encompasses a broader range of deceptive practices intended to produce financial or personal gains at the expense of another, credit card abuse is more precise in its definition concerning the unauthorized use of credit cards specifically.

The other terms, such as theft, while they can apply broadly to taking someone else's property without permission, do not specifically indicate the use of a credit card. Identity theft is another distinct crime that involves the unauthorized use of someone else's personal information, which may include credit card information, but primarily focuses on impersonating another person to commit various types of fraud.

By focusing on the specific nature of using someone else's credit card, credit card abuse accurately captures the essence of the described act.