I'd argue stealing a credit card is a much simpler one step process: Step 1. steal card. Done. Pretty easy too, lots of people leave their wallet or purse unattended in all sorts of scenarios, typically with their phone sitting underneath it. The home kitchen or the desk at work are typically places.
Creating fake print: Step 1. Either find a perfect print, or a number of imperfect prints. Step 2. photograph. Step 3. enhance. Step 4. print. Step 5. Use print on suitably encoded device (which probably means steeling their phone too).
Edit: Given the front of a phone is glass, there's probably going to be a print on the screen, though I wonder if any prints take from a phone screen would be clean? I don't know.