________ occurs when someone, without your knowledge or consent, uses your name, address, Social Security number, bank or credit card account number, or other identifying information to commit fraud or other crimes.

Wise ways to use a Credit card are:
Pay off your balance every month. 
Use the card for needs, not wants.
Never skip a payment. 
Use the credit card as a budgeting tool. 
Use a rewards card.
Stay under 30% of your total credit limit.