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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 U.S. Food and Drug Administration says that Sunshine Mills, Inc. has expanded its voluntary recall on dog food to include more products.The products were produced between April 3-5, 2020, and contain an unsafe level of aflatoxin, a toxin produced by the mold Aspergillus flavus, and at high levels, cause illness and death in pets, the FDA said.The products were recalled after a sample contained an unsafe level of aflatoxin was found by the Louisiana Department of Agriculture & Forestry.The products include Family Pet Meaty Cuts, Heartland Farms, Champ, Field Trial, and Good Dog, distributed across the U.S. at retail stores.If you purchased any of the recalled items, the FDA says that you stop using them, throw them out, or return them to the place of purchase for a full refund.You can check to see if your product has been recalled by clicking here. 875

The Trump administration will end the protected immigration status of thousands of Central Americans who have been living in the US nearly two decades, urging Congress to act if it wants to spare those individuals from being uprooted.Department of Homeland Security acting Secretary Elaine Duke has decided to terminate Temporary Protected Status for Nicaragua with a 12-month delay, the department announced Monday night. DHS also said Duke has not been able to reach a decision on Honduras despite different agencies' input, triggering an automatic six-month extension. At the end of that six-month window, the homeland security secretary will make a decision to terminate or further extend the status.The Trump administration has signaled a desire to wind down the protections of Temporary Protected Status, which is an immigration status allowed by law for certain countries experiencing dire conditions, such as a natural disaster, epidemic or war. TPS protects individuals from deportation and authorizes them to work in the US. Without TPS, those individuals revert to whatever status they had previously -- which could leave large numbers as undocumented immigrants.In encouraging Congress to act if it wants to extend those protections permanently, the Trump administration echoed its move in ending the popular Deferred Action for Childhood Arrivals program, which protects hundreds of thousands of young undocumented immigrants brought to the US as children and which President Donald Trump decided to sunset this fall.Both decisions were due by Monday, as the status was set to expire January 5. There is a 60-days-in-advance requirement by law to make a determination on extending or terminating Temporary Protected Status.The roughly 5,300 individuals from Nicaragua affected by this decision have lived in the US roughly 20 years: To qualify for TPS, Nicaraguans must have been living in the US continuously since January 5, 1999, after Hurricane Mitch devastated the country.DHS officials told reporters that Duke did not yet have enough information to make a decision on the 86,000 individuals covered under the Honduran protections, which by law triggers a six-month extension. Hondurans also have to have been living in the US continuously since January 5, 1999 to qualify, also due to Hurricane Mitch.The move was being closely watched and heavily lobbied on both sides.Though the administration says it is evaluating each country on its own, it has been more aggressive than previous administrations in evaluating only whether conditions have improved from what triggered the initial designation, regardless of dire conditions continuing due to other causes. That has the support of conservatives like Senate Judiciary Chairman Chuck Grassley, who wrote DHS last week urging them to not perpetually renew TPS.In the next few months, the status of hundreds of thousands of TPS recipients will be up for decision. The Trump administration has already terminated the status for Sudan, extended protections for South Sudan, and given itself an extra six months to decide on protections for roughly 58,000 Haitians. That will be the next decision due, at the end of the month. When former Homeland Security Secretary John Kelly extended Haitian TPS another six months over the summer, he encouraged recipients to either apply for status under some other means or prepare to depart the US.In extending Nicaraguan protections for a final 12 months, DHS officials on a call with reporters urged those recipients to "seek an alternative lawful immigration status in the United States, if eligible, or, if necessary, arrange for their departure."Coming up early next year is also a decision for El Salvador, with roughly 260,000 people covered from that country, who have lived in the US more than 15 years.One official also called on Congress to act if they want individuals to remain permanently. Democrats have heavily lobbied DHS to preserve the protections, as have advocacy groups and business groups like the US Chamber of Commerce."Only Congress can legislate a permanent solution and provide those in an otherwise perpetually temporary status with a certain future," the official said.Democrats were quick to call out the administration's move. The Congressional Hispanic Caucus called on Congress to act following the administration's "reckless" action."The Trump administration's irresponsible decision to end TPS for Nicaraguans will tear apart families and upend the lives of these hard-working individuals," CHC Chairwoman Michelle Lujan Grisham said in a statement. "These immigrants have lived in the United States for nearly 20 years and have raised US citizen children, contributed to our economy and enriched our communities. Deporting families who are contributing to the economic and social fabric of our nation isn't leadership; it's a reckless and callous abuse of power."  4920

The state of Oregon became the first in the nation to decriminalize small amounts of hard drugs like heroin and cocaine by overwhelmingly passing Measure 110 on Tuesday.According to The Oregonian, the measure will reduce misdemeanor drug possession to a non-criminal violation, punishable by measures similar to a traffic stop. Violators will be given a ticket and a 0 fine, or be given the option of being screened for a subtance abuse disorder.Those found with larger amounts of drugs, who would have previously been charged with a felony, will now face a misdemeanor charge. The measure also redirects tax revenue from the sale of legal marijuana in the state toward Addiction Recover Centers, where people are screened for drug use and can also receive treatment for drug addiction.Supporters of the measure say the new policy will reduce the state's jail population, and in particular, free many offenders of non-violent crimes. Supporters also say the bill will promote racial equality in the state, as drug laws disproportionately affect Black people and other people of color.Opponents of the measure say it promotes drug use and will lead to more overdose deaths and overwhelm addiction centers in the state.The Oregonian also reports that the measure received funding from many out-of-state donors, including Facebook founder and CEO Mark Zuckerberg.The Associated Press reports that the measure passed with about 60% support.In addition to decriminalizing hard drug use, Oregon also legalized the sale and recreational use of Psilocybin, or magic mushrooms. The Associated Press reports that the measure passed with 56% support. 1650

The U.S. reported 2,473 deaths caused by COVID-19 on Tuesday, the highest number of deaths linked to the virus in a single day since the height of the pandemic in May.According to the COVID Tracking Project, the nearly 2,500 deaths are the most the U.S. has seen since May 7 — the deadliest day of the pandemic thus far, when 2,769 COVID-19 deaths were reported.Tuesday also marked the sixth-deadliest day since the pandemic began.Deaths linked to COVID-19 have been on the rise since October — though the 7-day rolling average of deaths linked to the virus has dipped in recent days, likely due to a lack of reports from the Thanksgiving holiday. From Oct. 1 to Dec. 1, the 7-day average of reported COVID-19 deaths has more than doubled from 705 to 1,520. The rise in deaths mirrors a frightening rise in COVID-19 cases. According to the COVID Tracking Project, the U.S. has recorded at least 100,000 new cases of the virus every day since Nov. 3. Since that time, the rolling 7-day average of new cases has nearly doubled from about 85.000 a day to about 159,000 a day.And health experts expect deaths and caseloads to further increase in the coming weeks. Dr. Deborah Birx, a member of the White House coronavirus task force, says the U.S. finds itself in a "very dangerous place" following the Thanksgiving holiday. She says anyone who attended a Thanksgiving gathering last week should assume they are infected with COVID-19 and take appropriate precautions. With more than a million Americans boarding airplanes on Sunday alone following the Thanksgiving holiday, health experts fear cases will skyrocket in the coming days.They also expect hospitals — already overtaxed by current COVID-19 caseloads — to admit even more patients with the virus. Currently, the COVID Tracking Project reports that 99,000 Americans are hospitalized with the virus, forcing some facilities to institute overflow areas. 1925