In the context of financial transaction card fraud, which scenario constitutes fraud?

The scenario where using a card knowing it is expired or forged clearly constitutes financial transaction card fraud. In this situation, the individual is deliberately engaging in deceitful behavior by using a card that they know is invalid, which can lead to unauthorized transactions and financial loss to the cardholder or the issuing bank. This act is a clear intent to misappropriate funds or benefits without authorization, which is the essence of fraud.

In contrast, receiving a card without knowledge of its status does not involve intent or knowledge of wrongdoing and, therefore, falls outside the realm of fraud. Transferring a card to another person can also be permissible if done with proper authorization. Additionally, using a card for an authorized purchase does not involve any fraudulent activity, as it is in agreement with the cardholder's intentions. Thus, the choice about knowingly using an expired or forged card best illustrates fraud in this context.