Someone who memorizes someone else's debit card code to use it irl or online without having the physical card.
It can also be someone who secretly writes down the code on a note and keeps it.
- "How the f*ck did you buy all this?!!"
- "I stole my bf's debit card, wrote down his code and pulled it back in his wallet." *winks*
- "OMFG you are such a memo money bitch!"