Abstract: The global transition to a cashless economy has placed credit cards as the key element of digital transactions, acclaimed for their easy use, speed, and acceptance in most places. However, the growing dependence on this payment method has led to an escalation of the risks associated with credit card (CC) fraud. Detecting this type of fraud is a difficult task because the patterns are constantly changing, there is a data imbalance, and it is necessary to identify the legitimate transactions and the fraud ones at the same time. This study addresses this challenge by proposing a credit card fraud detection (CCFD) framework using a data balancing technique and a deep learning (DL) model. The proposed fraud detection model is trained and evaluated by collecting the dataset called Credit Card Fraud Detection from the Kaggle repository. As the dataset is highly imbalanced, we utilized the Synthetic Minority Oversampling Technique (SMOTE)-Tomek technique to balance the dataset. Further, the balanced dataset is classified using the Heterogeneous Graph Neural Network (HGNN) model. The HGNN model represent various transactions using a heterogeneous graph architecture and by using an attention based message passing technique, it managed to consider the complex relationships, time factors, and user behavior. The integration of SMOTE-Tomek in the model further boosted its capacity to identify fraudulent transactions, while lowering the rate of false positives. The HGNN model attained a 99.97% accuracy, a 99.48% F1-score, a 99.15% precision, and a 98.97% recall. The findings indicates that this model is effective and can be applied to real-world CCFD scenarios.