Can a merchant store my credit card details without permission?
Can a merchant store my credit card details without permission? But can a retailer store your credit card details without permission? The short answer is no. While there is no rule that governs how or when issuers can store your card information, many states have laws on the books to deal with credit card fraud, which fall under the umbrella of financial transaction card fraud.
How did someone use my credit card without having it?
Fraudsters might obtain your information through phishing or hacking, and some criminals sell card data online on the dark web. The thief doesn't need the physical card since online purchases only require that they know your name, account number and security code.