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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 United States has more than double the rate of premature overdose deaths of at least 12 other countries, according to a new?study.The research, published Monday in the Annals of Internal Medicine, says that there were an estimated 63,632 drug overdose deaths in 2016 in the US."The U.S. has the highest death rate due to drug overdoses for both men and women (35 deaths in 100,000 men and 20 deaths in 100,000 women) in 2015, more than double those of any other country in our study," Yingxi Chen, one of the researchers and a postdoctoral fellow at the National Institutes of Health's National Cancer Institute, wrote in an email.Mexico had the lowest rates: 1 death per 100,000 men and 0.2 deaths per 100,000 women.The researchers also found that the United States had the second-highest increase in drug overdose deaths: 4.3% per year in men and 5.3% per year in women, Chen said. Only Estonia had a higher increase.Norway was found to have the biggest decrease in drug overdose mortality for the whole population. Decreases were also found among men and women in Mexico, Spanish men and Danish women.Researchers "looked at the trends and patterns of drug overdose deaths among people age 20 to 64 years in 13 countries of the Organisation for Economic Co-Operation and Development?between 2001-2015," Chen said.These countries were Australia, Chile, Denmark, England, Wales (the data for these two countries was combined), Estonia, Finland, Germany, Mexico, the Netherlands, Norway, Spain and the United States."I think it reinforces what we know about the United States but also points out some of the contrast in terms of the ways other countries have dealt with similar issues," said Caleb Banta-Green, principal research scientist at the University of Washington Alcohol and Drug Abuse Institute, who was not involved in the research.Banta-Green and the researchers both point out that opioids play a part in the high levels of drug overdose deaths in the US.The study describes US opioid deaths as "triple epidemic waves," starting with prescription opioid deaths in the late 1990s, heroin deaths beginning in 2010 and finally deaths due to synthetic opioids, which include fentanyl.Other countries have found solutions to high rates of opioid-related deaths, according to Banta-Green, who cited France, which was not included in the research."When France got rid of the restrictions on prescribers using the medication buprenorphine, their national mortality, opiate overdose mortality rate dropped 79%," he said.Buprenorphine is a drug approved by the US Food and Drug Administration that can be used, alongside behavioral therapies and counseling, to help with the treatment of opioid addiction. It is the "first medication to treat opioid dependency that is permitted to be prescribed or dispensed in physician offices, significantly increasing treatment access," according to the US Substance Abuse and Mental Health Services Administration.Banta-Green believes that creating better access to substance abuse disorder treatments, along with a better national understanding that these are treatable medical conditions, would help reduce the number of overdose-related deaths in the US. This includes giving more people access to medications that could help treat and manage opiate addiction."That's really fundamentally what I think we need to take away from these data finding is that there are solutions, other countries have them, and we are not doing the dramatic things that we need to be doing," he said. 3565

The sports complex sheltering thousands of Central American migrants in this Mexican border city is well above its capacity, and more migrants are expected to arrive in the coming days.More than 5,800 migrants have taken shelter in the Benito Juarez Sports Complex, according to Mexico's Social Development Secretariat.That's at least three times above the facility's capacity, said Rodolfo Olimpo, a representative from Baja California state's Special Committee on Migration Issues.State and municipal officials are looking to open another shelter, Olimpo said, but they haven't found any local business or space willing to rent out their facilities for the migrants.CNN crews that visited the Benito Juarez shelter found squalid conditions, including open sewage drains. Many people appeared restless and nervous.Inside the sports complex, which has become the main facility sheltering migrants in Tijuana, migrants wait for hours in long lines for food. Tents cover sports fields and spill outside the facility's gates.Many migrants say they're waiting for the chance to seek asylum in the United States. Given the massive backlog at the nearby port of entry, it could be weeks before they have a chance to cross the border and begin to make their case.Meanwhile, the Mexican Red Cross has been providing medical assistance for migrants in the shelter. The Mexican navy has set up two small kitchens nearby the shelter, Olimpo said, and the federal government has installed two water plants.But Amnesty International said on Monday the shelter doesn't have enough resources for migrants housed there, describing conditions as "unsanitary.""Mexican federal, state and municipal officials separately confirmed to Amnesty International that the temporary shelter did not have sufficient food, water and health services, and that respiratory illnesses were spreading among those staying there," Amnesty said.Tijuana's mayor has described the situation as a crisis and called for humanitarian help.The growing number of migrants in Tijuana, a city of about 2 million people just south of California, is "a big problem" that "we are not capable of solving," Mayor Juan Manuel Gastélum told CNN.The Mexican federal government -- with a new president due to be installed Saturday -- or the United Nations must step in, the mayor said, to "give us shelter, give them food, water, medicines, everything that a person needs to be dignified and have a place where they can stay dignified." 2488

The stockpiling frenzy that occurred in the spring during the first wave of COVID-19 may rear its ugly head again.Research from Inmar Intelligence shows that 57% of shoppers are planning to rebuild their stockpile as worldwide coronavirus cases surge in what experts call a second wave.In the months following the pandemic's beginning, cleaning supplies and toilet paper disappeared from store shelves as quickly as they were stocked.According to Inmar, 64% of shoppers said they took part in the spring stockpiling.By far, toilet paper (67%) and hand sanitizer (57%) are on top of the list when it comes to products that shoppers plan to hoard should they find it necessary to create another stockpile.Inmar Intelligence says it is now the responsibility of retailers to make sure supply meets demand as communities once again face possible shutdowns in the face of rising COVID-19 cases."Today's shoppers still have concerns around safety, availability, and convenience, and will continue to look to their local retailers to deliver consistency and seamless customer service across all touchpoints," said Inmar Chairman and CEO David Mounts in a press release. "As we enter one of the busiest shopping seasons, it will be important for retailers not only to prepare for this new surge in demand but also to deliver value to customers during this time of crisis to maintain heightened trust and customer loyalty."The firm stated that 27% of shoppers are considering a winter stockpile because they're concerned certain products won't be in stock when they need them.In comparison, another 27% are concerned about in-store shopping safety if a second wave were to happen.Other products that consumers have stocked up or plan to stock up on are paper towels (52%), disinfecting wipes (53%), and canned goods (54%).45% of shoppers said they plan to purchase new items such as frozen dinners, pasta, snacks, and cleaning products, which weren't in their first stockpile.This story was first reported by Jeff Tavss at KSTU in Salt Lake City, Utah. 2051

The White House said late Friday it is prepared to veto a bill proposed by House Democrats to infuse the cash-strapped Postal Service with funds.The White House’s announcement comes a week after President Donald Trump said he supported funding the Postal Service with Congressional funds. Last week marked a period of the Postal Service removing machines and collection boxes, as mail service has slowed for many across the country.The bill introduced by House Democrats would, in addition to providing funds, require the post office to maintain its current level of service, not close any locations and would lift a prohibition of overtime. Those measures would be in effect through at least the end of the year.According to the Congressional Budget Office, the bill would provide an estimated billion in funding for the post office.The White House pushed back in a policy memo, claiming that reports of slowdowns are an “overreaction.”“This bill misses an opportunity to improve USPS,” the White House said.“USPS does not need a billion bailout. It needs reforms that will return it to a trend of long- term financial self-sufficiency,” the White House added.The Trump administration said that USPS has enough funds to operate through August 2021. But during his Senate testimony on Friday, Postmaster Louis DeJoy said that the post office is losing billion on an annual basis.“Without change our losses will only increase in the years to come,” DeJoy said.The USPS has historically been self-sufficient. But declining volume and increased pension costs have cut into the service’s bottom line. But the post office remains a lifeline for many who rely on mail for medicines, important documents, and other supplies. 1736