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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 alleged Friday that Iranian government-linked hackers broke into the accounts of roughly 8,000 professors at hundreds of US and foreign universities, as well as private companies and government entities, to steal massive amounts of data and intellectual property.The indictment unveiled by the Department of Justice on Friday directly links the individuals charged with the hacks to the Iranian government, saying the perpetrators were working for Iran's Islamic Revolutionary Guard Corps and other government clients.Along with the charges, the Treasury Department designated the nine Iranians and the company they worked for, the Mabna Institute, for sanctions.The move from the Justice Department and Treasury follows other US efforts to indict foreign government-linked cyberattackers, including special counsel Robert Mueller's indictment of Russian operatives for meddling in the 2016 US election, and the Obama administration's indictment of Chinese military members for the government-sponsored hacking of US companies.It also comes at a time of tension with Iran, long an adversary of the US. As President Donald Trump reshuffles his national security and diplomacy team, including firing Secretary of State Rex Tillerson and national security adviser H.R. McMaster, experts speculate Trump may be laying the groundwork to pull out of the Iran nuclear deal that the Obama administration negotiated, though Iran's cyber efforts were not part of that deal.According to the charges, which include conspiracy to commit computer intrusions, wire fraud, unauthorized access of a computer and aggravated identity theft and could carry a maximum sentence of upwards of four decades in prison, the nine alleged hackers carried out a sophisticated worldwide campaign since at least 2013 to pull off their cyberheist of more than 30 terabytes of academic data and other sensitive information.The indictment alleges the Mabna Institute targeted more than 100,000 professors worldwide and succeeded in compromising 8,000 of them, spread across 144 US-based universities and 176 foreign universities. In their crosshairs were various types of intellectual property, including academic journals, dissertations and electronic books.To break into the accounts, the sophisticated campaign started by studying each target in a reconnaissance phase, then using that information to send specialized emails to the targets that appeared to come from other university professors expressing interest in a recently published work, with links to other research that were actually links to malicious websites that would mimic the professor's login page and steal his or her login information and use it to access their accounts.The hackers also allegedly broke into the accounts of employees of US government and non-governmental entities, including the Department of Labor, the Federal Energy Regulatory Commission, the states of Hawaii and Indiana, Indiana's Department of Education, the United Nations, and the United Nations Children's Fund. Once inside, the hackers allegedly stole the entire email inbox.Other victims included employees of 36 US-based companies and 11 companies outside the US in a wide range of industries, including academic publishers, media and entertainment entities, a law firm, tech companies, and consulting and marketing firms.The tactic for the private-sector and governmental hacks was much less sophisticated, according to the indictment. The hackers allegedly used "password spraying": They collected email addresses they could find on the internet and then simply tried common passwords on those accounts, stealing email inboxes if they managed to get in.It is unlikely that any of the individuals named in the indictment will ever see the inside of a US jail or courtroom. It is also unlikely that foreign governments without extradition treaties with the US would give up their citizens to stand trial, and once the indictment is unsealed, the individuals named in it are unlikely to travel to countries that could extradite them to the US.Still, federal prosecutors hope that by exposing the hacking operations, they can deter the behavior and make clear their ability to trace it back to its source.  4260

The rising cost of a college education — and more importantly, the hefty loans that often follow — was a pre-pandemic problem that's only been exacerbated over the last several months.Roughly 45 million Americans currently hold .6 trillion on student debt — about 95% of it is held by the federal government.It's a major financial burden, especially in a time when unemployment has skyrocketed and the economy suffers through a pandemic-induced recession.Student debt averages to be about ,000 to ,000 per individual, with payments between 0 and 0 a month.Sen. Chuck Schumer is calling for the government to forgive up to ,000 per borrower. The Biden campaign had also suggested student debt forgiveness up to ,000.This story was first reported by Corey Crockett and Craig Treadway at WPIX in New York, New York. 840

The Women’s National Basketball Association plans to pay respect to Vanessa Guillen in their upcoming 2020 season.The WNBA and the Women’s National Basketball Players Association (WNBPA) announced the launch of a new platform, The Justice Movement, and the creation of the WNBA/WNBPA Social Justice Council.The mission of the Social Justice Council is to be a driving force of necessary and continuing conversations about race, voting rights, LGBTQ+ advocacy, and gun control amongst other important societal issues.The WNBA will begin its season in late July with a weekend of competition centered around the Black Lives Matter movement, during which teams will wear special uniforms to seek justice for the women and girls, including Sandra Bland, Breonna Taylor, Vanessa Guillen and many more who have been the forgotten victims of police brutality and racial violence.Throughout the season, players will wear Nike-branded warm-up shirts that display “Black Lives Matter” on the front.Additionally, “Say Her Name” will adorn the back of the shirts. “Black Lives Matter” will also be prominently displayed on courts during games.KXXV first reported this story. 1170

The Trump administration announced Thursday it is enacting new sanctions on Russia for its election meddling, a month-and-a-half after missing a congressionally mandated deadline.The Associated Press also reports that the administration has accused Russia of an ongoing, deliberate attempt to penetrate the US energy grid.The new punishments include sanctions on the Internet Research Agency, a Russian troll farm that produced divisive political posts on American social media platforms during the 2016 presidential election. Yevgeniy Viktorovich Prigozhin, a financial backer to the Internet Research Agency with deep ties to Russian President Vladimir Putin, is also included.Known as "Putin's chef," Prigozhin was indicted by special counsel Robert Mueller earlier this year for his involvement with the Russian troll farm.In total, the administration applied new sanctions on five entities and 19 individuals on Thursday, including Russians who posed as Americans and posted content online as part of the IRA's attempts to sow discord ahead of the presidential contest.The sanctions were applied through executive power as well as through the Countering America's Adversaries Through Sanctions Act, which Congress initially passed this summer hoping to pressure Trump into punishing Russia for its election interference.Trump signed the bill reluctantly in August, claiming it impinged upon his executive powers and could dampen his attempts to improve ties with Moscow.The measure imposed an October deadline on the administration to produce lists of individuals and entities that could be subject to potential sanctions, and a January deadline to impose them. The law required the administration to identify entities that conduct significant business with the Russian defense and intelligence sectors.The administration missed both by several weeks, claiming necessary work was underway at the State and Treasury Departments to complete the lists.The delay was seen as sign of Trump's unwillingness to punish Russia for its meddling, which he has downplayed in the past. Members of Congress expressed frustration that their law, which passed almost unanimously, wasn't being enacted.On Thursday, administration officials insisted the new measures weren't the end of their efforts to punish Russia."By no means will this constitute the end to our ongoing campaign to instruct Mr. Putin to change his behavior," a senior administration official told reporters.The-CNN-Wire 2485

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