Magento 2 – Override Template File Using Custom Module

You can create before plugin on setTemplate method and overwrite template argument.

Create plugin

class ProductSwatchPlugin
{
    public function beforeSetTemplate(
        \Magento\Swatches\Block\Product\Renderer\Configurable $subject,
        $template
    ) {
         return ['You_Module::template.phtml'];
    }
}

and declare it in DI.xml

<type name="\Magento\Swatches\Block\Product\Renderer\Configurable">
    <plugin name="you_module_change_template" type="ProductSwatchPlugin" />
</type>

See more details in official documentation

Working solution.

Just create or edit requirejs-config.js file from below path.

/app/code/Namespace/Module/view/frontend/requirejs-config.js

And place below code in requirejs-config.js

var config = {
    map: {
        '*': {
          'Magento_Payment/template/payment/cc-form.html': 
              'Namespace_Module/template/payment/cc-form.html'
        }
  }
};

So we can override any html file in this way.