A person is mad at their roommate so out of spite they decide to intercept a credit card offer in the mail, and fill it out in their roommate's name. When the new credit card comes in the mail, the person gets the new credit card and goes on a spending spree to stick their roommate with the bill. What type of credit card fraud would this be an example of that we discussed in class?
account takeover
identity theft
credit bureau fraud
application fraud
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