Which of the following actions would be considered Cardholder fraud?

The action that constitutes Cardholder fraud is the unauthorized purchase of power tools for personal use. In the context of government purchase cards, fraud typically involves any misuse of the card that deviates from the approved purpose, which is for official government business only. By using the card to acquire power tools for personal benefit, the Cardholder is abusing their privilege and committing an act of fraud against the government. This behavior violates the ethical and legal standards set for the use of government purchase cards.

In contrast, purchasing office supplies for work-related use is a legitimate use of the card, as it aligns with the government's purpose for the card. Returning purchased items for store credit is not fraudulent as long as the items were originally purchased for authorized purposes. Sharing purchase cards with colleagues can lead to violations of card use policies, but it may not directly constitute fraud if the cardholders have permission from their agency to share access under specific circumstances. However, such sharing typically raises red flags regarding responsibility and accountability.