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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 Yale University police officers who were called to investigate a napping black graduate student ultimately admonished the white student who had contacted police in the first place, a Yale vice president says.The incident, captured in two Facebook Live videos, has sparked outrage about racial profiling and policing.Kimberly Goff-Crews, Yale's vice president for Student Life, said in an email to students Wednesday night that she's been "deeply troubled" by the incident.Officers interrogated Lolade Siyonbola, a black graduate student at Yale, early Tuesday after a white student found her sleeping in a common room of their dorm and called police.Siyonbola had been working on a paper in the Hall of Graduate Studies and fell asleep. Another student came in, turned on the lights and told her, "You're not supposed to be sleeping here. I'm going to call the police."Two police officers arrived and began questioning Siyonbola in a stairwell. When she asked them about the complaint, one officer said, "She called us (and) said there's somebody who appeared they weren't ... where they were supposed to be."The officers asked for her ID, and after some delay in verifying the spelling of her name, she was cleared to go.In the aftermath, Yale officials have defended the police response to the situation."We believe the Yale police who responded followed procedures," said Yale spokeswoman Karen Peart. "It is protocol in such circumstances for the police to ask for student (or staff) identification cards. Both students had to identify themselves."CNN has reached out to the other student for comment.The delay with verifying Siyonbola's ID was because the name on her card was her preferred name, which did not exactly match her name in university records, Peart said."As we do with every incident, we will be reviewing the call and the r

The Trump administration is promising one of the largest fireworks displays in recent memory in Washington on July Fourth. It also plans to give away as many as 300,000 face masks to those who come down to the National Mall for the festivities, although they won't be required to wear them. This is despite concerns from D.C. Mayor Muriel Bowser, who warns that the plans run counter to established health guidelines. Interior Secretary David Bernhardt on Wednesday detailed President Donald Trump's plans for Independence Day in the nation's capital and said they include a mile-long detonation of 10,000 fireworks. Trump and first lady Melania Trump plan to host events on Saturday from the White House south lawn and from the Ellipse.Additionally, military planes will conduct flyovers in a handful of major cities along the East Coast as part of this year’s July Fourth celebration. The Pentagon says roughly 1,700 service members will support a salute to the “Great Cities of the American Revolution.” The flyovers will begin in Boston and proceed to New York City, Philadelphia and Baltimore. Washington has held an Independence Day celebration for decades, featuring a parade along Constitution Avenue, a concert on the Capitol lawn with music by the National Symphony Orchestra and fireworks beginning at dusk near the Washington Monument.President Donald Trump plans to kick off Independence Day festivities with a showy display at Mount Rushmore the day before. When he speaks at the Mount Rushmore, he’ll stand before a crowd of thousands of people who won't be required to socially distance or wear masks despite the coronavirus pandemic. The event will include fighter jets thundering over the 79-year-old stone monument in South Dakota’s Black Hills and the first fireworks display there since 2009.Public health experts are warning of the risk that it could help the coronavirus to spread. And others say the fireworks will put the forest around the monument at risk to wildfires. 2003

The stock market had its worst day in a month as virus cases surge and help for the economy from Washington remains nowhere in sight. The S&P 500 fell 1.9% Monday, deepening its losses from last week. Stocks of companies that need the virus to abate and the economy to return to normal had some of the biggest losses. Cruise lines and airlines fell sharply. Energy stocks also dropped in tandem with crude oil prices. In another sign of caution, Treasury yields pulled back after touching their highest level since June last week. Overseas markets also fell.The drop in stock value came as coronavirus cases reached peak levels in the US over the weekend, while White House chief of staff Mark Meadows proclaimed that the US would be unable to contain the spread of the virus. 788

The spread of COVID-19 is tough to trace and even tougher to predict, but researchers at Pittsburgh’s Carnegie Mellon University created an early warning system to help protect you from the virusMathematics professor Po-Shen Loh developed an app called NOVID, a contact-tracing app, to help communities see the virus coming before they get infected.On top of creating a brand new app, Loh teaches math to middle-school students online from his own office-turned-broadcast studio. He’s also the national coach for the United States Math Olympiad team that competes around the world.But when the pandemic hit, Loh wanted to take on one more project. “I like things that are supposed to be impossible, that can’t be done,” said Loh. Stopping the spread of the coronavirus seemed to fit the bill.“The problem with COVID is it spreads before you know you have it, that’s what makes COVID different," Loh said. "The only way you can control this disease is in helping people to know whether or not COVID is coming close to them in advance."That’s where the NOVID app can help, said Loh. “Shows the virus coming towards you based on your relationship network, so that you can protect yourselves from others before you actually get infected," Loh explained of the app. "This is in contrast to most other contact tracing apps that are designed to protect others from you."The app shows you positive cases in degrees of separation. A positive case in the first degree would be someone you live with. The second degree could be your coworker or a friend. The third degree would be that person’s spouse or child. Each degree of separation is a possible pathway for you to come in contact with COVID-19.“This thing shows you the virus coming towards you, kind of like a hurricane satellite shows you a hurricane coming towards you,” said Loh.In addition to showing you cases as they pop up around you, the app can track the distance between phones down to the inch.It uses both Bluetooth and ultrasound waves to give you that measurement to make sure you’re safely social distancing.“We don’t know of any other contact-tracing app in the entire world which will tell you, ‘here’s how far away we think the device was,’” said Loh.The safety of your personal information is one of the most important features of this app. It collects data, while you stay completely anonymous.“Many people are distrustful of an app that does contact tracing,” said Loh. “We never ask for your phone number or email."Those who are positive can self-report their case in the app. Loh is also working with cities and counties to integrate NOVID into health departments across the country. He said the health departments would issue a ticket with a number to each person who tests positive for the virus.That person would enter the number into their NOVID app, anonymously reporting the positive case in the community.“If this thing actually caught on, you’d see in all the cities and towns, whether it’s rural or urban, whenever COVID starts to rise up, you’d start to see everyone take caution. Not because anyone forced them to, but because they saw this is what would be useful,” said Loh.To create the powerful community resource Loh is hoping for, he said more people need to know about the app.“Right now, we only respond when the intensive care units are full, and then it’s too late, and people die on the sidewalk. But, what we wish would happen, is that people could see it coming, and then, everyone starts to be careful at the right time. With more traction, we can save more lives,” he said.Loh is hoping he can not only help save lives but help bring back life as we knew it.“The goal of what we’re trying to do is to give people headlights to drive in the dark. Our app is not designed to let other people control you; our app is designed to help you control your life,” said Loh.For more information on NOVID or to download it, click HERE. 3928