Top Scams to Know and Protect Yourself Against

The Out and About

Using your card in high risk areas can be a problem, but sometimes you need to. Relate the place you are at to a bank: would you want to use your card there? Are there any security tags that state the place is under observation? How about any pinholes around the ATM you are using? Always cover your pin. Cameras can be small; cell phone cameras can be as tiny as your fingertip. Always take a precaution because you don’t know who is hovering over your shoulder.

Another way can be through Near Field Communication (NFC) devices, such as smartphones. Anyone with NFC can find, or create, apps to take the information straight from your chip card, because it uses the same technology. To prevent this you should; 1) turn off NFC when not using it on your smart devices and 2) purchase a debit/credit card blocking sleeve.

False Downloading

Ever watch a video on a website that you have never heard of? It may even say it’s something popular like YouTube, but the URL doesn’t look quite right. Well, these kinds of websites draw your attention with some form of media to get you to their web site. Here is where they create popups for downloading their fake update or software, and you end up with malware. Malware harms your computer, and can potentially lock you out of your files. It can be cleverly masked to appear real. Don’t fall for these scams, as they are expensive to clean up afterwards.

Taking Advantage

Whether it is putting a cheap set of speakers in an expensive box, asking for a fee in advance, or marrying someone for their money, there are plenty of scammers out there ready to take your money without delivering real value in return. In these cases you have to use your best judgment. If a Nigerian Prince decides to contact you, it’s probably fake. Anytime someone asks you for money via email, you should follow up directly with the institution they’re claiming they’re from. Respectable companies like Microsoft or your cell phone company won’t ask for credit card information directly in your email. Ensure you have a good junk email filter, as that will help eliminate a lot of the potential junk.

Easy Prevention

These scams have been around for a while and they don’t seem to be going anywhere. The top ways you can protect yourself from these scams are: