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Banks use several methods and technologies to detect potential credit card fraud and determine if the person using the card is actually you. These methods include:

1. Transaction Monitoring Systems:
   - Banks employ advanced algorithms and machine learning models to monitor transactions in real time.
   - These systems look for unusual patterns or anomalies in spending behavior, such as purchases in a foreign country or high-value transactions that are out of the ordinary for your typical spending habits.

2. Geolocation and IP Address Tracking:
   - When you make an online purchase, the bank can sometimes track the IP address from which the transaction is made. If the IP address is from a location far from where you usually make transactions, it could trigger a fraud alert.
   - For in-person transactions, some banks use the geolocation of your mobile phone (if you’ve enabled location services in your banking app) to see if it matches the location of the transaction.

3. Behavioral Biometrics:
   - This involves analyzing the way you interact with your devices, such as typing speed, mouse movements, and the way you hold your phone. Significant deviations from your usual behavior can trigger a fraud alert.

4. Multi-Factor Authentication (MFA):
   - For certain transactions, especially online, banks may require additional verification steps, such as entering a one-time password (OTP) sent to your registered phone number or email address.
   - Some banks use biometric authentication like fingerprints or facial recognition through their mobile apps.

5. Credit Card Verification Codes (CVV/CVC):
   - The three or four-digit code on your credit card is an additional security measure. Even if someone steals your card number, they would need the CVV to complete most online transactions.

6. Card-Not-Present (CNP) Security Measures:
   - For online transactions, banks often use 3D Secure protocols (e.g., Verified by Visa, MasterCard SecureCode) which require additional verification from the cardholder.

7. Fraud Detection Software:
   - Banks use sophisticated fraud detection software that scores transactions based on the likelihood of fraud. Factors can include transaction amount, merchant category, time of day, and previous spending patterns.

8. Customer Alerts and Notifications:
   - Banks often send alerts via SMS, email, or push notifications for transactions that seem unusual or exceed a certain amount. This allows you to quickly confirm if the transaction was legitimate.

9. Reporting and Analysis:
   - Banks continuously analyze reports of fraudulent transactions and adapt their detection algorithms accordingly. They share information with other financial institutions about new fraud tactics and patterns.

10. Customer Contact:
    - If a transaction is flagged as suspicious, the bank may contact you directly to verify the transaction. This can be done via phone call, text message, or email.

By combining these methods, banks aim to create a robust security framework that can detect and prevent unauthorized use of your credit card while minimizing false positives that might inconvenience legitimate cardholders.