When someone steals and uses your debit or credit card info, that's called _________________.

The term that accurately describes the scenario where someone steals and uses your debit or credit card information is fraud. Fraud entails intentional deception for personal gain, which perfectly aligns with the act of stealing another person's financial information and using it without permission. This crime can take many forms, including identity theft and unauthorized transactions on a credit or debit card.

Authorized spending refers to transactions that a cardholder has agreed to, which stands in stark contrast to the deceitful nature of fraud. Networking pertains to making connections or sharing information, and borrowing implies a temporary use of funds or property with the intention of returning it. These terms do not capture the illegal actions involved in stealing and misusing someone else's financial information, making fraud the clear choice in this context.