Card payments in South Africa continue to be a predominant part of the National Payments System in an evolving payments ecosystem. Due to the growing volume of electronic payments, the monetary strain of credit card fraud is turning into a substantial challenge for financial institutions and service providers, thus forcing them to continuously improve their fraud detection systems. This article attempts to explain the Modus Operandi (MO) of perpetrators of credit card fraud in the Vaal Region in South Africa. The article begins with an examination of the extent of the challenge and response by the relevant stakeholders, especially the Criminal Justice System (CJS). This study was carried out utilising a qualitative research approach with a convenience, purposive and snowball sampling techniques. Thirty-nine (39) interviews were conducted to solicit the views of the participants and police investigators from Vanderbijlpark, Sebokeng, Sharpeville and Vereeniging police stations, members of the community, and victims of credit card fraud were interviewed. These interviews were analysed according to the phenomenological approach, aided with the inductive Thematic Content Analysis (TCA) to identify the participants’ responses and themes. The findings indicated that the extent of credit card fraud in Vaal region is reaching alarming rates. Based on the findings, the authors provided recommendations such as: police investigators being taken for regular workshops and training on how to investigate sophisticated methods used by perpetrators such as technology, awareness in the society about credit card fraud should be prioritised and enhanced.