A more thorough explanation:

Credit-Card Crime

Credit-card crime is when someone uses a credit card to buy something, knowing that:

1. The card is stolen or fake
2. The card has been canceled or revoked
3. The card's use is not authorized by the owner

1. John found a credit card on the street and used it to buy a new phone. He knew the card was stolen, so he committed credit-card crime.

2. Sarah's credit card was canceled by the bank because she didn't pay her bills. She tried to use it to buy clothes, but that was credit-card crime.

3. Tom's friend let him borrow his credit card to buy groceries, but Tom used it to buy a new TV. He committed credit-card crime because he didn't have permission to buy the TV.

These examples show how credit-card crime happens when someone uses a credit card in a way that is not allowed. It's important to always use your own credit card and to report any suspicious activity to the bank.