喀什妇女上环的费用(喀什男科医院精子检查) (今日更新中)

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 University of Michigan Interfraternity Council, which is student led, has suspended fraternity events because the community has not been living up to a "high standard," according to a statement from the IFC.The council notes that all social activities and new member programs are suspended while they work to make sure the programs "are in alignment with our policies and values." "We are taking time to focus on the health and safety of our members and our community, and we are committed to working with the university, our peers, alumni, and national partners to do so," the statement read.Read the full statement below: UM IFC Statement (1) by WXYZ-TV Channel 7 Detroit on Scribd 705

The University of Arizona and Boeing joined forces to find disinfectants that will kill COVID-19 and help make air travel safer. The project known as the Confident Travel Initiative is designed to test out cleaning solutions that can destroy the Coronavirus. Arizona microbiology professor Dr. Charles Gerba, who is known as "Dr. Germ," says he’s been working with Boeing since the summer to test cleaning products as part of the initiative to make flying as safe as possible during the pandemic and beyond.“It's really innovative to try to get a coating that will be antiviral," he said. "I think it’s the next step in hygiene and disinfection adding another barrier between when they clean and regularly disinfect aircraft. We’re looking at coatings. And anytime the virus lands on it would kill it, so you don’t have to keep disinfecting all the time."The team conducted laboratory testing by using a virus called MS2 on surfaces inside of an unoccupied plane. The virus has similar characteristics to the virus that causes COVID-19.“It would protect you from when they disinfect it or clean the aircraft. In case the virus lands again on a surface in the aircraft. We’ve been evaluating the overhead bins, the seats, the trays, the handles,” Gerba said.Cleaning solutions and ultraviolet wands were also used throughout the plane and according to Boeing, the results show that antimicrobial coatings were effective for extended periods of time and won’t be harmful to passengers. While Gerba didn’t share the names of the disinfectants, he did say the products can potentially be used on public transportation and other high traffic areas.“We actually did some of the work in the aircraft going in and contaminating certain areas like the tray in the aircraft the overhead bin and then evaluating the disinfectants to show they could kill the virus," Gerba said. "I see this new technology of self-disinfecting surfaces will revolutionize public places in cleanliness, cars, and buses you name it. These are products already on the market and they are new innovative products where you can put down a coating and it will last for hours, weeks, or maybe even months."The research project is expected to be done with other viruses by the end of the year and airplane cleanings will be done between flights.“It all has a big benefit I think it's going to add that extra barrier to me it’s the next generation of infection control and the spread of disease,” Gerba said.This story was first reported by Shawndrea Thomas at KGUN Tucson, Arizona. 2552

The Supreme Court on Tuesday invalidated a provision of federal law that requires the mandatory deportation of immigrants who have been convicted of some crimes, holding that the law is unconstitutionally vague.The case, Sessions v. Dimaya, had been closely watched to see if the justices would reveal how they will consider the Trump administration's overall push to both limit immigration and increase deportations.As expected after the oral argument, Justice Neil Gorsuch joined with the more liberal justices for the first time since joining the court to produce a 5-4 majority invalidating the federal statute. In doing so, Gorsuch was continuing the jurisprudence of Justice Antonin Scalia, who also sided with liberals when it came to the vagueness of statutes used to convict criminal defendants.Only eight justices heard the case last term after Scalia's death, and in late June, the court announced it would re-hear arguments this term, presumably so that Gorsuch could break some kind of a tie.Dimaya, a native of the Philippines, was admitted to the United States in 1992 as a lawful permanent resident. In 2007 and 2009, he pleaded no contest to charges of residential burglary in California and an immigration judge determined that Dimaya was removable from the US because of his two state court convictions.The court held that the convictions qualified for an "aggravated felony" under the Immigration and Nationality Act, which authorizes removal of non-citizens who have been convicted of some violent crimes and defines aggravated felony to include "crimes of violence."Lawyers for Dimaya appealed the removal arguing that it was unconstitutionally vague and that their client never had fair notice that his crimes would result in deportation.They suggested the reasoning of a 2015 Scalia opinion, which struck a provision of the Armed Career Criminal Act as unconstitutionally vague, should extend to their case.  1945

The U.S. has carried out the first federal execution in nearly two decades, putting to death a man who was convicted of killing an Arkansas family in the 1990s in a plot to build a whites-only nation in the Pacific Northwest. Forty-seven-year-old Daniel Lewis Lee, of Yukon, Oklahoma, died Tuesday after receiving a lethal injection at the federal prison in Terre Haute, Indiana. Lee said before his execution that he was innocent. “I didn’t do it,” Lee said just before he was executed. “I’ve made a lot of mistakes in my life, but I’m not a murderer. ... You’re killing an innocent man.” 597

来源：资阳报