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The tactics used to fight credit card scams are getting more sophisticated all the time. Unfortunately, so are the tactics used by credit card scammers.More than 2.3 million cases of fraud and identity theft were reported in 2019, according to the Federal Trade Commission — an increase of 26% from five years earlier and 138% in a decade. Credit card-related scams accounted for a significant chunk of those cases, including more than 40% of identity theft reports. And those were just the cases that were reported to law enforcement and consumer protection agencies.Whether they’re putting a new spin on an old scam or inventing a new scheme, calling on the phone or reaching out over the internet, credit card scammers are always lurking and looking to strike. Knowing how the most common scams work and how to avoid falling for them can keep your money and your identity safe.Here are six common credit card scams to watch out for.1. The charity scamThis credit card scam is a particularly cruel violation of people’s good-hearted instincts to help.Right after a tragedy like a hurricane, flood or wildfire, scammers get to work, calling or emailing and appealing to people to help victims with a donation. They’ll often pretend to be from a reputable charity like the Red Cross or the Salvation Army.When a “charity worker” calls with a detailed, sad story and asks for help, it can be hard to say no. The pleas for funds are often presented as urgent, too, to get people to cough up their credit card numbers quickly.HOW TO AVOID THE CHARITY SCAMIf you’re inclined to give money to help after a disaster, it’s best to do it proactively by contacting a charity yourself. You can check whether a charity is legitimate by using the IRS’ tax-exempt organization search or a resource like Charity Navigator.If someone calls you seeking a donation, don’t give your credit card information, even if it seems legitimate. Write down any information they give you, then politely hang up. Search the web for the phone number and put quotation marks around the number in your search. Often, you’ll find that the number that called you has been previously been identified as a scam caller. If the charity is legitimate and you want to help, donate directly through its website.2. The hotspot scamIt’s common advice to be careful when using a public Wi-Fi network, since crooks could be monitoring these networks. But sometimes the network itself is a trap, carefully laid by credit card scammers who are waiting to pounce on your information.In this credit card scam, your smartphone or laptop finds a “public Wi-Fi hotspot,” and when you connect to it, you’re prompted for credit card information to pay for internet access. The hotspot is fake, and you’re actually giving your credit card information directly to the scammers. In other cases, the hotspot is free and does offer internet access, but the scammers watch your every move. They record passwords you enter, peek into your bank account when you check it and capture your data in other ways.HOW TO AVOID THE HOTSPOT SCAMIf you need to access public Wi-Fi at a restaurant or store, ask an employee for the correct network name and password information. Be wary of generic-sounding names like “Free Public Wi-Fi.” Avoid logging into your bank account or providing any sensitive information if you can.Another way to protect yourself is to use a VPN or virtual private network. This creates a secure connection you can use even on unsecured public networks.3. The credit card ‘sign-up farm’ scamVictims of this credit card scam are often willing participants, duped by the promise of easy money for helping generate what they’re told are legitimate credit card rewards. In reality, it’s a scam to rip off card issuers, often on a massive scale. In May, federal prosecutors in New Jersey charged two men with running an elaborate “sign-up farm” that cost American Express more than million.People running these scams recruit people with good credit and offer to pay them for the use of their Social Security numbers to open credit card accounts. The scammers rack up huge balances on the cards to generate rewards points, convert the points to cash, then cancel the purchases. In some cases, they don’t even bother canceling, and the victim is left on the hook.Victims are typically promised payments of ,000 to ,000 for the use of their information, although some never get paid. And they’re usually told that the spending on the cards will be legitimate, even though the whole point is to defraud the issuer. Victims can wind up responsible for huge balances, see their credit trashed and have their own credit card and airline rewards accounts frozen.HOW TO AVOID THE SIGN-UP FARM SCAMThe lure of easy money can be hard for anyone to resist, and even more so for those who are struggling financially. But it’s wise to assume that easy money doesn’t exist.The simplest way to avoid falling victim to credit card farming scams is to never give or sell your Social Security number or any personally identifiable information to someone else. To make sure no one is using your identity to open accounts without your knowledge, check your credit report for any irregularities.4. The interest rate scamMillions of people are familiar with this classic robocall scam. You answer a phone call, often from an unknown number, and a recorded message gives you the great news that you’re eligible to negotiate significantly lower interest rates on your credit card balances. The message claims to have inside connections to credit card companies and can work on your behalf to reduce your payments by thousands of dollars. There are no such connections — the whole thing is a setup to get you to reveal your credit card information.If your interest is piqued enough to continue listening, you’ll be taken to a live operator. The “helpful” representative will quickly ask you sensitive questions to harvest your personal data and credit card information.In a slightly more legitimate — but still costly — variation of this scheme, the caller contacts the credit card company and successfully lowers your rate, and you get charged hundreds or thousands of dollars for the service. The problem is that they aren’t doing anything you couldn’t have done yourself for free. You have just as much clout with the credit card company as a third party when it comes to lowering your interest rate. Your issuer may give you the option to transfer your balance to a different card that offers a lower APR.“If you’re looking to reduce the interest rate you’re paying on your credit card purchases, your best bet is to handle it yourself for free,” says the Federal Trade Commission. “Call the customer service phone number on the back of your credit card and ask for a reduced rate.”HOW TO AVOID THE INTEREST RATE SCAMIf you want to lower your credit card interest rate, reach out to the issuer directly. It won’t hurt you to ask, even if they say no.If you do get a robocall promising to cut your rates — or any other offer that sounds too good to be true — just hang up. Never give out or confirm sensitive information to someone who calls out of the blue. To reduce sales calls, put your phone number on the National Do Not Call Registry, then keep in mind that legitimate businesses adhere to the registry while scammers don’t.5. The overcharge scamThis credit card scam is gaining ground as fewer transactions are handled in cash and more shopping moves online. It goes like this: You get a call or a text telling you that your credit card was overcharged on a recent purchase. How helpful! The problem is that it isn’t true. The scammer will ask a bunch of questions intended to get at your personal information.According to the Better Business Bureau, this scam is especially convincing because the scammers will often address the target by name. And with more and more small, everyday purchases being put on credit cards, the vague “recent purchase” angle becomes more convincing.HOW TO AVOID THE OVERCHARGE SCAMDon’t give sensitive personal information over the phone. Hang up. Check your credit card statement. If something there seems out of whack, contact your credit card issuer yourself by calling the number on the back of your card.6. The skim scamIt was hoped that the widespread adoption of EMV chip technology would wipe out skimming, but it has proved persistent. In fact, the latest data from the credit scoring company FICO found that the number of payment cards compromised at merchant card readers and ATMs increased 10% in 2017.A skimmer is a small electronic device installed by crooks on card readers on gas pumps, ATMs and elsewhere. The skimmer reads the information from the magnetic stripe on your credit or debit card when you swipe or insert the card. They can be hard to detect, and some of the newer ones are all but impossible to see with the naked eye.Skimmers are especially prevalent in tourist-heavy areas during high season. According to the Florida Department of Agriculture and Consumer Services, “it’s critical that people are aware of exactly what to look out for because each skimmer can defraud consumers up to a million dollars.”HOW TO AVOID THE SKIM SCAMThough skimmers are often well-concealed, sometimes you can tell that something looks off. Look for signs of tampering on ATM or gas station card readers, including devices attached on top of or beside the card slot. Move toward using a mobile wallet and contactless payments to avoid using your physical card.Check your account balances and transactions often. If you see something amiss, notify your credit card issuer right away to report the fraud.More From NerdWalletCan a Credit Card Company Lower My Credit Limit?Is It OK to Never Have a Credit Card?Today’s Definition of Financial Adulthood Is More Flexible Than EverErin Hurd is a writer at NerdWallet. Email: ehurd@nerdwallet.com. 9936

The racial justice movement is inspiring hope and change.Two of the oldest hate fighting and civil rights nonprofits are joining forces to build ties between Black and Jewish people.“You can’t really fight one kind of hate unless you're going to fight all of them, right, so we can’t be saying anti-Semitism is bad and not be engaged right now in this great movement to challenge systemic racism,” said Shira Goodman with Anti-Defamation League Philadelphia.The Anti-Defamation League and National Urban League are kicking off the partnership in Philadelphia.They're starting a voting rights project trying to energize young voters.They're using young leaders from both groups to recruit younger poll workers and produce mailers and social media videos encouraging people to exercise one of the greatest tools to change.“We want to be able to give people accurate information and also hold each other accountable by having a voting plan, maybe having a buddy they are going to text back and forth, ‘did you go to the polls did you request your ballot?’”Philadelphia is just the start of this partnership for equality. They're looking at future projects to promote economic empowerment, equal access to justice, update hate crime laws and address discrimination in housing and employment.“It’s building on our shared histories as Blacks and Jews of having worked together, having both struggled in America and also saying we want to not sit on that history, we want to build a new future together,” said Goodman.The partnership and focus come at critical time for minorities which tend to face more voter suppression. 1624

The world's No. 1 tennis player’s offer to upgrade a tennis center in Boca Raton was rejected by the public park system’s leadership Monday, and many in the community call it a win. The Greater Boca Raton Beach and Park District had been looking to upgrade Patch Reef Park since 2014.Tennis star Rafael Nadal wanted a tennis academy in his name, which would have included restaurants, dorms, indoor and outdoors courts.The district has been looking at renovating the tennis center at Patch Reef Park since 2014. Last summer, Rafael Nadal had reached out and offered to help build a new indoor facility. "It just wasn’t right. It was wrong. We’re happy to have Nadal here but build elsewhere. This place belongs to the people of Boca Raton," said Dina La Voe, an advocate of Patch Reef Park. Instead, the park will make a request for proposals and have more public input. It’s possible for Nadal to win a bid that way.At the beginning of the month, renderings of the facility were shared and the facility was called the “Rafael Nadal Academy.” The renderings showed indoor and outdoor tennis courts, dormitories, and restaurants.District executive director Arthur Koski said the district was not going to agree to what the Nadal group had offered. “We advised the Nadal group that an academy would not be something we would consider.” “Right now, we think the best first step is a step backwards,” said Koski.Some people in Boca Raton were not happy to hear about the proposed Nadal Academy. “It looks to me like they are tearing everything out of here,” said Dan Bianco. Koski said he would like to see different ideas about an indoor tennis center that would fit everyone's needs.  1745

The Trump administration took another whack at the Affordable Care Act on Wednesday.Officials unveiled a final rule that will make it easier to obtain coverage through short-term health insurance plans, which don't have to adhere to the law's consumer protections.The move would reverse an Obama administration decision to limit the duration of short-term plans to no more than 90 days in order to make them less attractive. Insurers will soon be allowed to sell these policies for just under a year. They can be renewed for up to 36 months, though that renewal isn't guaranteed. 587

The state of Texas has already had nearly as many voters cast ballots in the 2020 election than in the all of the 2016 election.This year’s election is still five days away.Throughout the country, lines have formed at early voting centers to cast a ballot in next week’s election. According to the US Elections Project maintained by University of Florida professor Michael McDonald, more than 80 million voters have already submitted a ballot. Millions more are expect to vote between now and Election Day.In Texas, the number of early votes equals 95% of the total ballots cast in 2016. Part of what has driven the vote in Texas is for the first time in the 21st century, Texas is considered a battleground in the presidential election. In Travis County, which is where Austin and University of Texas is located, more voters have cast ballots there than in the 2016 election.Who is winning the early vote?According to a CNN poll released on Wednesday, Joe Biden is leading among those who have already voted by a 64-34 margin. Other national polls have similarly showed Biden leading early voting by up to a 2-to-1 margin.The challenge for Trump will be to make-up ground on Election Day. The same CNN poll showed Trump leading 59-36 among those who plan on voting on Election Day. Trump will need a strong Election Day turnout in order to overcome the lead Biden has likely established in early voting. Things like weather, daycare, illnesses, work and other factors that keep people from voting on Election Day could play against Trump on Election Day.While the news out of Texas may be discouraging for Trump, Pennsylvania and Ohio, two other key battleground states, have not seen nearly as much early voting as Texas. In Ohio, the early vote equals 43.8% of the total 2016 vote. In Pennsylvania, the early vote equals 34.3% of the 2016 vote.Similarly to Texas, Georgia, which has been a traditional GOP stronghold in recent decades, is a battleground state in 2020. There, the number of early voters equals 82% of the 2016 count.How votes will be tallied on Election DayEach state will release early voting numbers differently, and with such stark differences in how Trump and Biden voters are casting ballots, the numbers could have significant swings.In Pennsylvania, the early vote is expected to come in last after all ballots counted on Election Day are tallied. That means Pennsylvania will likely show a significant lead for Trump on Election Night, with the former vice president trying to make up ground. Some counties have said they will not even start counting the early vote until the day after the election.In close states that release the early vote first, Biden will likely amass a huge lead that will slowly evaporate throughout the night. For states that will wait to count the early vote, Trump will likely hold a huge initial lead. Election Night projections might take longer this year to account for how various states are counting the vote. 2977