Gian lận gây rủi ro cho thẻ ngân hàng.

It follows a very common Vietnamese pattern:

[subject] + [verb] + [object/complement]

Here:

• Gian lận = fraud
• gây = causes
• rủi ro = risk
• cho thẻ ngân hàng = for/to bank cards

So the structure is basically:

Fraud + causes + risk + to/for bank cards

Vietnamese often keeps word order fairly straightforward, so this sentence is quite literal in its structure.

Gian lận usually means fraud, cheating, or deception, depending on context.

In this sentence, it works most naturally as a noun, meaning fraud.

• Gian relates to dishonesty or deceit.
• lận helps form the idea of cheating/fraudulent behavior.

So here, gian lận is the thing doing the action:

• Gian lận → the subject
• gây → causes

In other contexts, gian lận can also behave more verbally, like to cheat or to commit fraud, but in this sentence it is best understood as fraud.

Gây means to cause, to create, or to bring about.

It is a very common Vietnamese verb used when one thing leads to a result, especially a negative one:

• gây khó khăn = cause difficulties
• gây hại = cause harm
• gây tai nạn = cause an accident
• gây rủi ro = cause risk

So gây is a very natural choice in this sentence because fraud is being presented as something that creates danger or negative consequences.

Yes, and it works similarly here.

In Vietnamese, rủi ro is a noun meaning risk. The phrase gây rủi ro literally means cause risk.

This is normal Vietnamese usage. English might sometimes prefer:

• pose a risk
• create risk
• cause risk
• put something at risk

Vietnamese often uses gây + noun in exactly this kind of way. So gây rủi ro is a set phrase that learners should get used to.

Here, cho means something like for or to.

In gây rủi ro cho thẻ ngân hàng, it shows what is affected by the risk:

• rủi ro cho thẻ ngân hàng = risk for bank cards

So cho links the risk to the thing experiencing or receiving that risk.

Be careful: cho has many meanings in Vietnamese, including to give, for, and to depending on context. Here it is not the verb to give. It is a preposition-like word marking the affected target.

Yes, word-for-word it is:

• thẻ = card
• ngân hàng = bank

Vietnamese often places the main noun first and the describing noun after it. So:

• thẻ ngân hàng = bank card
• literally: card bank

This is very common in Vietnamese noun phrases:

• tài khoản ngân hàng = bank account
• nhân viên văn phòng = office worker
• máy tính xách tay = laptop

So even though it looks reversed compared with English, it is perfectly normal Vietnamese word order.

Vietnamese does not use articles and plural endings the way English does.

So thẻ ngân hàng can mean:

• a bank card
• the bank card
• bank cards
• the bank cards

The exact meaning depends on context.

In this sentence, English may translate it as bank cards in a general sense, but Vietnamese does not need to mark plural explicitly.

If Vietnamese speakers want to make plurality clearer, they can add words like:

• những thẻ ngân hàng = bank cards
• các thẻ ngân hàng = bank cards / various bank cards

But in many general statements, Vietnamese leaves that unstated.

Yes. You may also hear:

Gian lận gây ra rủi ro cho thẻ ngân hàng.

Here, gây ra is a common expanded form meaning cause or bring about. In many contexts, gây and gây ra are very close in meaning.

For this sentence:

• gây rủi ro = natural
• gây ra rủi ro = also natural

Sometimes gây ra sounds a little fuller or slightly more explicit, but the difference is small here.

They are very close.

• rủi ro cho thẻ ngân hàng = risk for bank cards
• rủi ro đối với thẻ ngân hàng = risk with respect to / for bank cards

Đối với is often a bit more formal or abstract.
Cho is simpler and very common.

So both can work, but cho keeps the sentence more direct and natural.

A rough pronunciation guide is:

• Gian lận → zahn luhn in northern Vietnamese, though this is only approximate
• gây → like gay but with Vietnamese vowel quality
• rủi ro → roughly roo-ee raw, with tones
• cho → like chaw
• thẻ ngân hàng → roughly teh nguhn hahng

Tones matter a lot:

• lận
• gây
• rủi
• thẻ
• hàng

all carry specific tones that change meaning.

A better learner strategy is to break it into chunks:

• Gian lận
• gây rủi ro
• cho thẻ ngân hàng

Then imitate a native recording chunk by chunk instead of relying too much on English-style spelling.

It is understandable and basically natural, especially in formal or informational contexts.

However, depending on the exact situation, native speakers might also say things like:

• Gian lận làm tăng rủi ro cho thẻ ngân hàng.
  = Fraud increases the risk for bank cards.

• Gian lận gây rủi ro cho người dùng thẻ ngân hàng.
  = Fraud causes risk for bank card users.

• Gian lận thẻ ngân hàng gây ra nhiều rủi ro.
  = Bank card fraud causes many risks.

Your original sentence is still fine. It sounds like a formal statement, such as something you might see in banking, security, or educational material.