Credit card fraud is hardly new, but the nature of that fraud is undergoing a major shift. In the past, nearly all scams were carried out by third party bad guys, but today it is cardholders themselves who account for nearly a third of fraudulent transactions. This shift has been driven by AI tools that make it easier for people to dispute charges, but also by social media groups that share tips for carrying out fraud in the guise of getting “free stuff.” “It comes back to people thinking ‘this ...