Carding refers to a situation where someone else's payment card is used. This is often done with stolen card credentials. Of course, a transaction can take place when carders know One Time Password and other data. However, pro carders, such as Ccbuyforcarding, Legitcvvshops and Shopdumps101 have their own way of bypassing OTP and there are also online stores that don't require that much data for a transaction. These websites only need a card number and a name. There are multiple sources from where Cheapcvvsites and other websites get these details, including extracting it from payment systems.
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