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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 US will respond to the Assad regime's alleged chemical attack against Syrian civilians, US Ambassador Nikki Haley told the United Nations as she excoriated Russia, saying its hands are "covered in the blood of Syrian children.""Chemical weapons have once again been used on Syrian men, women and children," Haley said at a special meeting of the United Nations Security Council to discuss what appeared to be a chemical attack on Douma, the last rebel-held town in Syria, on Saturday that left 49 people dead and scores injured."History will record this as the moment when the Security Council either discharged its duty or demonstrated its utter and complete failure to protect the people of Syria," Haley said. "Either way, the United States will respond."Images of gasping children struggling to breathe shocked the world and galvanized President Donald Trump, who condemned the attack as "sick" and upbraided Russian President Vladimir Putin and Iran for supporting Syrian President Bashar al-Assad.Trump threatened that there would be "a big price to pay" for the attack.On Monday, Haley made clear that Russia could "pay" as well, as tensions between Washington and Moscow were laid bare in the Security Council. Russia's ambassador accused the US of plotting against Moscow and Syria, threatening international security, stoking global tensions and operating outside the confines of international law.Haley described at length and in detail blue-skinned Syrian toddlers lying dead in their parents' arms after the suspected chemical attack and made clear that the US sees Moscow as responsible. Russia, she implied, is not even a civilized nation."The monster who was responsible for these attacks has no conscience to be shocked by pictures of dead children," Haley said, explaining that she wouldn't show photos of the victims as she had after a chemical attack in April 2017 that led to US strikes on Syria."The Russian regime, whose hands are also covered in the blood of Syrian children, cannot be shamed by pictures of its victims," she said. "We've tried that before.""Russia could stop this senseless slaughter, if it wanted," she said. "But it stands with the Assad regime and supports it without hesitation. What's the point of trying to shame such people? After all, no civilized government would have anything to do with Assad's murderous regime.""Russia's obstructionism will not continue to hold us hostage when we are confronted with an attack like this one," she added.Russia pushed back hard. "Nobody has invested you with the authority to act as gendarmes, policemen of the world ... we call on you to return to the legal fold," Ambassador Vassily Nebenzia said. Earlier, Russian Foreign Minister Sergey Lavrov had argued that there is no evidence chemical weapons were used, a claim Nebenzia echoed."The use of sarin and chlorine is not confirmed," Nebenzia echoed in the Monday meeting. He went on to say that the US, along with the UK and France, is acting "without any justifications, and without considering the consequences have engaged in a confrontational policy toward Russia and Syria."In extended, rambling remarks, Nebenzia accused the US of plotting a strike against Damascus and planting the "fake news" of the Douma attack Saturday as justification. He then veered off onto the subject of an alleged nerve agent attack on a former Russian spy in the UK, attempting to link all the events."Is it not clear to all? Syria, Russia, Salisbury," Nebenzia said, referring to the British city where the spy was poisoned.The UN's special envoy for Syria, Staffan di Mistura, noted that some states have publicly raised their suspicions that Syria was behind the attack. Other states, he said, "have strongly questioned the credibility of these allegations.""What reason more, then, for a thorough, independent investigation," he concluded, as he denounced the use of chemical weapons as "abhorrent" and called for a thorough investigation.Nongovernmental organizations on the ground had documented "hundreds of cases of civilians with symptoms consistent with exposure to chemical weapons," he said.Between August 2013 and February 2018 there have been at least 85 confirmed chemical attacks in Syria, with the Syrian government responsible for at least 50 of them, according to Human Rights Watch.Even before Nebenzia's accusations, Mistura warned about the hostilities in Syria spiraling out of control to threaten international stability. "I have reached a point in which I am expressing a concern about international security," he told the council.Telling the gathered officials that recent developments carry more danger than ever, he said that "different fault lines that are completely crossing each other and are interconnected" and escalation could "have absolutely devastating consequences that is difficult for us to even imagine.""The council cannot allow a situation of uncontrollable escalation in Syria on any front," he said.Haley and other speakers stressed that a dangerous precedent is being set."We are on the edge of a dangerous precipice," Haley said. "The great evil of chemical weapons use that once unified the world in opposition is on the verge of becoming the new normal. The international community must not let this happen." 5312

The scariest thing at Wormtown Brewery in Worcester, Massachusetts this fall has nothing to do with Halloween. This small independent brewery ran out of aluminum cans for the first time in company history."We have had a couple of loads of cans canceled on us, but last week was the first time we truly ran out of cans," said co-owner David Field.Shipments of cans are becoming very rare for breweries and beverage producers nationwide. Americans are drinking less at bars and restaurants and more at home, putting greater demand on liquor stores and breweries like Wormtown.Typically, this craft beer producer would send out about 20 percent of their product in kegs to area bars, but because of the pandemic, close to 100 percent of the beer they produce is being sent directly to consumers."People drink more often at home; they drink more in small social circles," Field said.In the U.S., there are only a small handful of can distributors. Most years, they produced about 100 billion aluminum cans. However, this year, there's a nationwide shortage of close to 10 billion cans.Everyone-- from major soda companies to small craft breweries--has started to feel the impact. Part of the shortage is being caused by the explosion of hard seltzers into the market. Only making the situation worse, many recycling plants were forced to go offline during the spring.But, mostly, experts say the can shortage is simply being caused by supply and demand."It's going to catch up with everybody. If they haven’t been hit, they will be, and it looks like it’s gonna be a little while," Field added.Perhaps one of the biggest buzzkill for small breweries is if customers can’t find their product on a shelf, they might be gone for good and turn to another product that's more available. Field says that could have long-lasting impacts on his company's bottom line."That person who loves our beer might be introduced to somebody else’s beer they like and may not come back to us," he said.The problem is impacting brewers all over the country. The Brewers Association, which represents more than 5,000 breweries, says they're even hearing about some manufacturers having a difficult time getting glass bottles."There’s been a huge increase in demand for cans that then when the pandemic hit, was just accelerated. Not just with beer, but all package types to cans," explained Chuck Skypeck, who serves as the group's technical brewing projects manager.What it all means for the American consumer is fewer options for beer and other soft drinks as well. It’s a difficult task for the nation's brewers as they try their best to quench this country's thirst for beer. 2662

The window to get COVID-19 under control is closing. That's the warning from the head of the Department of Health and Human Services.Secretary Alex Azar denies that reopening too quickly was tied to the recent rise in cases, blaming it instead on inappropriate individual behavior."If we don't social distance, if we don't use face coverings in settings where we can't social distance, if we don't practice appropriate social hygiene, we're going to see spread of disease,” said Azar.However, in Texas, the governor says if he could go back and redo anything, it would be to slow down the reopening of bars. In that state, the number of new cases has jumped from an average of 2,000 to more than 5,000 a day.Hospitalizations are rising at an alarming rate with some nearing capacity."Please understand these patients are very sick,” said Dr. Joseph Varon, Chief Medical Officer at the United Memorial Medical Center. “There are patients that are about to die. So, we have to admit them. Once they are here despite everything that we do, I mean they have to stay in the hospital anywhere from 5 to 10 days at a minimum. So those beds will be occupied for a period of 5 to 10 days so sooner or later within the next two weeks we are going to be at full house."Azar says the U.S. is actually better positioned now to handle the pandemic. He pointed to increased testing, contact tracing and greater reserves of personal protective equipment. 1446

The Senate is set to move forward with its version of the annual defense policy bill known as the National Defense Authorization Act -- marking the latest step for a key piece of legislation that has been passed by Congress for 55 straight years.At a time where passing bills is often challenged by the deep partisan divide and competing political factions on Capitol Hill, it can be difficult to understand why the NDAA would be any different.But as the measure that sets military policy on issues such as Guantanamo Bay, buying weapons, pay raises for service members and even the endangered status of the Sage Grouse, the NDAA is considered of one the few must-pass bills left in Congress.So what makes it so important?One of the most obvious reasons is the money.The NDAA authorizes levels of defense spending -- an amount between that will total between 0 and 0 billion for the next fiscal year that begins on October 1 -- and sets the Pentagon policies under which that money will be spent.This year's bill is expected to authorize a major hike in military spending and even exceed the billion defense budget increase requested by President Donald Trump for 2018 that aimed for more aircraft and ships.In July, the House of Representatives passed their 6 billion version of the bill which included billion more in defense spending than the Trump administration requested.The Senate's bill is expected to authorize a similar amount based on the mark up completed by the armed services committee, led by Arizona Republican Sen. John McCain, in June.If the Senate's bill passes as expected then both houses of Congress will come together to vote on a final version. A vote in the Senate is scheduled Monday.But the fight over the size of the defense budget is just getting started, however, as Senate Democrats have vowed to block major increases to defense spending without equal increases to domestic programs.That fight will occur later this year over the defense appropriations bill, which is a separate piece of legislation that allocates spending for the Pentagon.In addition to authorizing increased military spending, the NDAA will set Pentagon policy on several key issues including troop level increases for the service branches and render a decision on a controversial new "Space Corps" program that was included in the House version of the bill but left out by the Senate.The program was also opposed by the White House and the Air Force.There will also be several controversial issues that will likely be left out of the NDAA including an amendment that would block Trump's ban on transgender service members and the proposed repeal of the 2001 and 2002 war authorizations that the US military uses to fight terrorism across the globe. 2776