Which of the following is not a type of cardholder fraud?

The rationale for identifying the situation of receiving a card without having requested it as not being a type of cardholder fraud lies in the distinction between fraudulent activities that involve the misuse of an existing cardholder's information versus incidents that may occur without any interaction by the cardholder.

Receiving a card without requesting it could indicate a fraud attempt, such as a card being issued to someone who has stolen the cardholder's identity, but it does not directly involve the cardholder's active participation or manipulation of their own card information. In contrast, the other scenarios involve the direct misuse of a cardholder's credentials or the card itself, which are clear instances of fraud where the cardholder’s financial information is exploited for unauthorized transactions.

Understanding types of cardholder fraud is critical for effective prevention strategies, as fraud can take many forms but generally involves unauthorized behavior that leverages someone else's financial identification. Therefore, the distinction made in this context hinges on the involvement or absence of the cardholder's consent and authentication in signifying fraud.