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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 Trump administration is unleashing additional sanctions against seven Russian oligarchs with ties to President Vladimir Putin along with 12 companies they own or control.The measures announced by the Treasury Department on Friday were also aimed at 17 senior Russian government officials and the state-owned Russian weapons trading company, Rosoboronexport, which has long-standing ties to Syria and its subsidiary, Russian Financial Corporation Bank."Russian oligarchs and elites who profit from this corrupt system will no longer be insulated from the consequences of their government's destabilizing activities," Treasury Secretary Steven Mnuchin said in a statement, citing Russia's occupation in Crimea and its ongoing efforts to supply the Assad regime in Syria with materials and weapons.The action targets Russian oligarchs including Kirill Shamalov, who married Putin's daughter and has amassed a fortune since they tied the knot in February 2013; Oleg Deripaska, a senior Russian official who has been investigated for money laundering; and Suleiman Kerimov, who allegedly brought millions of euros into France in suitcases, according to the Treasury Department.The fresh sanctions are the latest step by the US against Russia following the poisoning of a former Russian spy in England, interference in the US 2016 election and a cyberattack, described as the most damaging in history.The Trump administration has been under pressure by Congress to act to meet demands under a sanctions law passed by Congress last summer to punish Russia for interfering in US elections.  1599

The Trump campaign has officially filed a lawsuit in Wisconsin's Supreme Court in an attempt to overturn election results in the state.The Wisconsin Elections Commission confirmed Joe Biden's victory Monday in the battleground state following a partial recount. Milwaukee and Dane counties finished their recounts over the weekend and results added to Biden's 20,600 vote margin over President Donald Trump.The president's campaign has repeatedly alleged fraud in the state's election, though it has not presented any proof. The election officials for both counties who did recounts said there was no fraud uncovered in the process.The WEC confirmation of the results opened a five-day window for the president's campaign to file a lawsuit.The campaign filed a lawsuit Tuesday morning, in an attempt to overturn results by disqualifying as many as 200,000 ballots."What we had is an abuse of the absentee process, dramatically in Dane and Milwaukee County,” said Jim Troupis, attorney for the Trump Campaign.The suit is specifically seeking to dismiss absentee ballots where the clerks' offices "inserted missing information,” people cast ballots "claiming Indefinite Confinement status" even If they "no longer qualified,” and absentee ballots "improperly cast or received at ‘Democracy in the Park’ events,” which were held in Madison.The lawsuit also targets many in-person absentee voters who the Trump campaign claims did not follow Wisconsin law which requires "voters submit a written application.""We introduce evidence in the proceeding we introduced evidence that they in fact followed the law. They in fact required appropriate application in advance of the in-person voting,” said Troupis.In a filing late Tuesday evening, Gov. Evers and his legal team issued a forceful rebuttal against the lawsuit: "President Trump’s Petition seeks nothing less than to overturn the will of nearly 3.3 million Wisconsin voters. It is a shocking and outrageous assault on our democracy. The relief he seeks is wrong as a matter of law, incorrect as a matter of fact, and mistaken as a matter of procedure. Indeed, he has sought relief in the wrong court and has refused to follow the proper steps under the statute that he himself acknowledges governs the appeal of recounts. And by focusing on alleged technical violations in only two counties, he has made plain 7 that his intent is not to fairly determine who Wisconsinites voted for to lead our country. He is simply trying to seize Wisconsin’s electoral votes, even though he lost the statewide election."Mayor Tom Barrett says Milwaukee conducted in-person absentee voting exactly like all the other counties in the state. Barrett addressed the Wisconsin Elections Commission meeting on Tuesday to voice his opposition to the Trump campaign's attempt to throw out those votes."They are challenging the entire election system in Wisconsin claiming entire groups of absentee by mail and absentee in person were not legitimate. And I would add they are only doing it in select counties. These claims are obviously an egregious attempt to discredit this fair election,” said Barrett.Wisconsin Election Commissioner and Republican Dean Knudson spoke out Tuesday afternoon in the commission meeting that he believes this lawsuit still proves Wisconsin has safe elections.“I am in a position to look at fraud in Wisconsin and I have yet to see a credible claim of fraudulent activity in this election. The Trump campaign has not made any claims of fraud in this election. The filing in, there is some disputes over matters of law,” said Knudson.The WEC has debunked previous claims for the campaign about fraud in the election process.The president's campaign lawsuit included four instances where it claims votes were counted illegally:Lawsuit claims municipal clerks were instructed to fill in missing information on returned absentee ballots based on their "personal knowledge" or "lists or databases."Lawsuit claims municipal clerks issued absentee ballots to voters without requiring written absentee ballot applications.Lawsuit claims election officials permitted voters who claimed to be indefinitely confined to "circumvent voter ID laws" without "meeting the requirements for that status."Lawsuit claims the city of Madison created "unlawful polling locations at over 200 parks and city locations" through its Democracy in the Park voting events. The suit claims that these locations were outside of the county's approved polling locationsRead the full petition below:2020AP1971 Pet for Orig Action (12!1!20) by TODAY'S TMJ4 on ScribdRead the supporting memo below:2020AP1971 Memo in Supp Pet. Orig Action (12!1!20) by TODAY'S TMJ4 on ScribdThis story was originally published by WTMJ in Milwaukee. 4761

The Ventura County Medical Examiner has ruled "Glee" star Naya Rivera's cause of death as an accidental drowning.Rivera's body was recovered from Lake Piru in Ventura County on Monday. On Tuesday, the medical examiner was able to confirm through dental comparison that the body recovered was Rivera's, according to a statement from the medical examiner. 361

The U.S. dollar is cooling off after a red-hot surge.Though it rose in the weeks following President Trump's election victory last November, the greenback has steadily fallen this year. It's now down to its lowest level since January 2015. Since January 3, the first trading day, the dollar is down 11 percent.It's down nearly 17 percent against the Mexican peso this year, a reversal of fortunes after Trump's campaign threats caused the peso to plunge. It's also down 12 percent against the euro and 7% against the pound. 541

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