| # | Concept | Culture | Statement | Freq. |
|---|---|---|---|---|
| 1 | fraud | United Kingdom | Fraud in the United Kingdom is a serious crime with severe legal consequences, especially in cases of credit card fraud. | 4 |
| 2 | fraud | Ghana | Fraud, including credit card scams, is widespread and culturally viewed as a means of earning money in Ghana. | 2 |
| 3 | fraud | Nigeria | Fraud, including 419 scams and credit card fraud, is prevalent in Nigerian culture and seen as a way to make illegal money. | 2 |