"How Do Data Breaches Occur?"
A data breach happens when sensitive data (like credit card information) is compromised, which means it has the potential to be seen, stolen or used by an unauthorized individual. Oftentimes, it's the result of criminals that gain access to restricted computer networks.
"Is There a Difference Between a Data Breach and Credit Card Fraud?"
Yes. A data breach doesn't necessarily mean your card information was accessed—only that the possibility exists. However, fraud occurs when your physical card, or your card's information has been stolen and/or duplicated to make unauthorized purchases on your account. It is a crime that's punishable by law.