喀什经期半个多月还没干净(喀什尿道感染该怎么办) (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 State of Utah sent face masks showing a handgun and controversial political image to a Salt Lake City family.The free masks are part of the “A Mask For Every Utahn” campaign, where federal COVID-19 money purchased more than two million masks to stop the spread of the virus.“I was just shocked,” said Chrstine Passey-Spencer outside her Rose Park home.Two masks delivered to the family show an American flag with a handgun printed across them with “Don't Tread on Me” written below a coiled rattlesnake.“I think the thing that bothered me most is that I knew my tax dollars paid for this and this is very politically charged speech,” Passey-Spencer said.The “Don't Tread on Me” image stems from the Revolutionary War but has become controversial in recent years. The Gadsden Flag has been used by the Tea Party, anti-gun control activists and white supremacists.In 2016, it was deemed to have “racially-tinged” messaging in some contexts by the federal government.More recently, the image has been used by people believing COVID-19 health restrictions take away their constitutional rights.“We hope this is an isolated incident that we just missed these couple of masks,” said Governor’s Office of Economic Development’s Ben Hart, who oversees the state’s mask program.Since April, the state purchased millions of masks from local and international manufacturers.Hart admits about 100 of the “Don't Tread on Me” masks were included in a shipment last month. Hart says the staff deemed them “inappropriate” and attempted to set all of them aside.“We will not be using taxpayer dollars to pay for these masks. We will be working with the manufacturer and ensuring we do not pay for them,” said Hart.The governor’s office replaced the masks for Passey-Spencer on Tuesday.KSTU's Hailey Higgins first reported this story. 1828

The Stallion Springs, California Police Department is warning the public about a cell phone "spoofing" scam that's going around asking for personal information. The spoofing scam appears to look like a legitimate phone call as the caller ID is displayed as the victim's own cellphone number.A voice recording identifies the call is coming from AT&T, and advises the victim that their cellphone account has been compromised and they may be a victim of fraud. The voice recording then asks for the victim to confirm their personal information, specifically asking for the last four digits of their social security number.AT&T confirmed to Stallion Springs Police that this is a phone scam. Police advise that if you receive calls like this, to not answer them. If you do answer, do not give out your personal information. Hang up and call your phone company asking about the legitimacy of the scam or call police. Report spoofing at www.IC3.gov. 989

The Trump administration has formally asked the Federal Communications Commission (FCC) to develop regulations that could apply to Facebook, Twitter and other such platforms.It's a key step toward President Donald Trump fulfilling his executive order to regulate social media.The order asks the FCC to clarify a section of law that has shielded tech companies from much litigation over internet content since 1996.The FCC — which is reviewing the Administration's petition — now has to decide whether to agree with the president's call for oversight or not.Legal experts say the agency has traditionally avoided regulating internet companies in the past. 662

The World Series and NLCS will be open to fans. According to MLB, 11,500 fans will be allowed into Globe Life Field in Arlington, Texas.The ALCS, held in California this year, will not have fans in the stadium, as of now.With 11,500 fans in the stadium, Globe Life Field will be roughly 25% full. The NLCS will mark the first time fans will be permitted into an MLB playoff or regular season game this year.MLB said the following protocols will be enacted:· Tickets in the seating bowl will be sold in groups of four contiguous seats, called pods. Individuals may purchase a limit of one pod per NLCS and World Series game.· Seats within each pod cannot be broken apart for sale.· Each pod will be a minimum of six feet from each other.· No seats will be sold within 20 feet of where a player can be located on the field, in the dugouts or in the bullpen.· Masks will be mandatory for all fans except when actively eating or drinking at their ticketed seats.· Hand sanitizing stations will be available throughout the ballpark.· No bags will be permitted except for those that are carried for medical reasons or manufactured diaper bags that accompany infants and young children.Tickets go on sale October 6. 1216

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