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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 White House has cut ties with a senior adviser to first lady Melania Trump after it was revealed the aide's firm was paid close to million to plan events around President Donald Trump's inauguration.The first lady's office said in a statement that it ended its contract with Stephanie Winston Wolkoff, who had been working as a special government employee."The Office of the First Lady severed the gratuitous services contract with Ms. Wolkoff. We thank her for her hard work and wish her all the best," said spokeswoman Stephanie Grisham.The New York Times first reported Wolkoff's departure.Inauguration committee tax documents revealed last week showed WIS Media Partners, a company based in Marina Del Ray, California, and founded by Wolkoff, received ,843,509 for "event production services."The roughly million the company received for its work on the inauguration was likely passed through to other vendors and event coordinators. The New York Times reported that Wolkoff personally received .62 million for her work.She told the Times on Monday that most of the million was paid to subcontractors, and that the .62 million was divided among 15 employees. Messages left by CNN with Wolkoff were not immediately returned.Last week, Grisham said Melania Trump "had no involvement" in planning the inauguration and had "no knowledge of how funds were spent."Trump and Wolkoff are longtime friends.  1438

The U.S. has now recorded at least 100,000 cases of COVID-19 each day for the last three weeks.On Monday, at least 169,190 new cases of the coronavirus were recorded throughout the U.S., marking 21 consecutive days that the country has seen at least 100,000 new COVID-19 cases.During that time span — dating back to Nov. 2 — the number of people in the country hospitalized with complications from the virus has nearly doubled from 48,557 to 85,836. Currently, about 69% of those hospitalizations are occurring in the South and Midwest, meaning some hospitals in those areas — particularly rural hospitals — are currently operating at capacity.The massive spike in cases has also caused the number of deaths linked to COVID-19 on a rolling 7-day average to nearly doubled from 826 a day to 1,515 a day. The last time the U.S. saw as many deaths per day as it sees now came back in mid-May when the country was still recovering from the virus' silent and uncontained spread in early spring. Over the weekend, the U.S. surpassed 3 million new cases in November alone. The country has recorded 12.4 million cases of COVID-19 since the pandemic began, meaning about one-quarter of all of those cases have occurred this month alone.Despite the bleak outlook on the state of the pandemic in the country, Dr. Anthony Fauci, the county's top expert on infectious diseases, warned Monday that the pandemic could worsen further. He said that if Americans don't follow common-sense public safety measures on Thanksgiving, cases could spike even further in December."The chances are that you will see a surge superimposed on a surge," Fauci said.Fauci recommends limiting Thanksgiving gatherings to members of a single household. He also says Americans need to continue to follow five common public safety measures in order to limit the spread: Adopt uniform mask-wearing, keep social distance, avoid large crowds, gather outdoors as opposed to indoors and continuously wash hands. 1983

The White House said Thursday that new national security adviser John Bolton met with Russian ambassador to the US Anatoly Antonov."Bolton reiterated that it is in the interest of both the United States and Russia to have better relations, but that this will require addressing our concerns regarding Russia's interference in the 2016 election, the reckless use of a chemical weapon in the United Kingdom, and the situations in Ukraine and Syria," the White House statement said.This was the first meeting between the two in their current roles. Bolton officially stepped into the role of White House national security adviser earlier this month after President Donald Trump announced his appointment in March.The meeting came amid heightened tensions between the two nations over Syria, the poisoning in the UK of a former Russian spy and the ongoing special counsel investigation into Russian interference in the 2016 election.Last year, Trump?met with Russian Foreign Minister Sergey Lavrov and Sergey Kisylak, who was Russia's ambassador to the US at the time. Russian state media posted photos of that Oval Office meeting. 1160

The ratings for Anderson Cooper's exclusive interview with Stormy Daniels won't be available until Monday afternoon.But the outpouring of reactions suggest that her account of an alleged affair with Donald Trump in 2006 captivated viewers across the country.Several hours after the interview was broadcast, Daniels' name was still the No. 1 trending topic in the U.S. on Twitter. The adult film star was also a trending topic on Facebook.The sexual encounter allegedly happened a decade before Trump was elected president. But the apparent cover-up is much more recent."For us, it wasn't so much 'there was an affair.' That's not as much the headline. For us, it's everything that has happened since and how we've gotten to this point," Cooper said in an interview for CBSNews.com about his sit-down with Daniels."I think there's more to come on this story. I'm not saying necessarily on Stormy Daniels' aspect of the story, but on the methods that were used to keep her silent," Cooper told CBSNews.com. "If Stormy Daniels' story is true that a thug came up to her in a parking lot in Las Vegas in 2011 -- this is long before Donald Trump was a presidential candidate -- I mean, if somebody is using intimidation tactics, physical intimidation tactics, it's probably not the first time they've done it. So that's a potential story I would imagine people would look at: Has this kind of thing happened before? And I don't know the answer to that."The porn star's media-savvy attorney, Michael Avenatti, bluntly told Cooper, "This is about the cover-up."Sunday's "60 Minutes" broadcast marked the first time that Daniels described an alleged threat made in 2011, a few weeks after she agreed to tell a tabloid magazine about the alleged affair. (The magazine story wound up being nixed.)On the East Coast, the "60 Minutes" broadcast was delayed by an NCAA basketball game. But once the broadcast began, there was a mixture of shock, revulsion, and snark on social media -- as well as sex jokes.Some critics reacted by saying "there was no news" in the interview. But the interview itself was news -- representing Daniels' first time speaking on camera about the alleged affair, the hush money, and more. And there were new details about the alleged threat, plus her motivations for breaking her silence.Avenatti tweeted afterward: "Any claim that 'There was nothing new other than the details of the threat' is not only false but is also similar to asking 'Other than the short interruption Mrs. Lincoln, what did you think of the play?'"Daniels told Cooper that Avenatti advised her not to share any texts, photos, or other evidence of the affair for now.It "would be foolish" to share the evidence now, Avenatti tweeted. He added: "Tonight is not the end -- it's the beginning."The two-part "60 Minutes" story focused on the alleged cover-up and the possible campaign finance law violations."The Stormy Daniels story is certainly about sex but it's also -- and more importantly -- about financial and emotional intimidation," Margaret Sullivan wrote in a column for Monday's Washington Post."The ultimate verdict" on Cooper's interview "will be whether viewers accept his claim that this is serious news," Politico's Michael Calderone wrote.On cable news and on Twitter, there was lots of chatter about whether Trump would join the conversation by tweeting or saying something about the scandal.CNN's Kaitlan Collins reported on Sunday that Trump is irked by what he sees as wall-to-wall coverage of Daniels' claims.New York Times correspondent Maggie Haberman, who doubles as a CNN analyst, commented on Twitter that a standout part of the interview was Daniels' assertion that she was not attracted to Trump. Daniels referred to the relationship as a "business deal."Haberman said Trump "was incredibly proud of the 'Best Sex I Ever Had' NY Post front page" from decades ago. So Daniels' dismissive attitude "won't sit well."  3942

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