Now-a-days the shopping as been evolved as70% online and 30% as offline. In this 30% also 20% have been paid by smart cards. This smart cards usage have found wide spread due to flexible usage. The applications for these credit cards are based on internet or manual applications by the customers who require the smart cards and various loans. The applications in above cases found fraud is a specific case of identity crime. The application fraud pattern is represented by some specific features which may be found duplicates relative to the established base of some criteria. In the existing system the authors use Communal Detection (CD) i.e. Communal detection Spike Detection (SD) i.e. Spike Detection.