Final answer:
A 'black hat' typically refers to a hacker who engages in illegal activities and uses their skills to compromise computer systems or networks for personal gain. The person most likely to be described as a 'black hat' is a hacker who gathers credit card information.
Step-by-step explanation:
A 'black hat' typically refers to a hacker who engages in illegal activities and uses their skills to compromise computer systems or networks for personal gain. Based on the options provided, the person most likely to be described as a 'black hat' is Option 1) A hacker who gathers credit card information. This individual engages in illegal activities by stealing sensitive information to commit fraud or other malicious acts.