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The sudden and abrupt breakdown of the US Postal Service has unfolded in recent days as Democrats call for a funding boost ahead of this year’s presidential election.On Friday, the USPS announced a temporary price increase in some services from Oct. 18 until Dec. 27. The rate hike affects commercial services, as retail services are not affected.Meanwhile, the USPS has been removing mailboxes and processing machines. The machines and mailboxes are being removed across the country, according to local reports from a number of Scripps stations.On Friday, CNN and the Washington Post reported that a number of states have received letters from the Postal Service warning that they might not have the ability to ensure ballots are sent and returned in a timely manner. The warning comes as more Americans are expected to utilize mail-in voting due to the coronavirus pandemic.“The Postal Service is asking election officials and voters to realistically consider how the mail works,” Martha Johnson, a spokeswoman for the USPS, said in a statement to the Washington Post.Despite requesting a mail-in ballot himself for next week’s Florida primary, President Donald Trump has tried to sow doubt in recent weeks over the reliability of mail-in voting, claiming that the process is ripe with fraud. But there has been limited evidence to suggest his fears are founded.With the postal service facing financial troubles due to rising pension costs and decreasing usage, Trump said he would agree to funding the Postal Service, but would need some concessions from Democrats."Sure, if they gave us what we want. And it’s not what I want, it’s what the American people want," Trump said Friday. 1694

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 UK has accused Syria and Russia of preventing independent chemical weapons experts from entering the city of Douma, hit by a suspected gas attack that Western leaders have blamed on the Syrian government.A fact-finding team from the Organization for the Prohibition of Chemical Weapons (OPCW) arrived in Syria on Saturday, the same day the US, UK and France carried out airstrikes against Syrian government targets in response to the April 7 attack in Douma.But by Monday, the team had still not been granted safe passage, according to the UK envoy to the OPCW, Peter Wilson. The US expressed concerns that Russia may have tampered with evidence at the site.The OPCW team is tasked with determining whether banned substances were used in the attack, a charge that both Syria and its most powerful ally, Russia, have vehemently denied.Syria's Deputy Foreign Minister Fayssal Mikdad said Monday his country was ready to facilitate the OPCW team in any way to carry out its mission, the state-run SANA news agency reported, while Kremlin spokesman Dmitry Peskov did not respond directly to CNN's question on whether Russia had blocked the experts. Peskov said only that Russia was against "groundless" accusations about who was responsible for the attack.Russian Deputy Foreign Minister Sergei Ryabkov said the OPCW team's arrival was hampered by the weekend air strikes, state media RIA Novosti reported.The suspected chemical attack is the latest issue to heighten tensions between Russia and Western powers. More than 100 Russian diplomats were expelled from more than 20 countries in March over the poisoning of a Russian ex-spy on British soil, which the UK and US has blamed on the Russian government. Russia denies the accusations.Russian officials last week claimed British intelligence agencies had helped stage the suspected chemical attack in Douma."Yet again, Russia is spreading conspiracy theories and misinformation designed to undermine the integrity of the OPCW's fact finding mission," Wilson said in a statement."A significant body of information, including intelligence, indicates the Syrian regime is responsible for this latest attack."The US envoy to the OPCW, Kenneth D. Ward, said he was concerned that Russia may have interfered with the site of the Douma attack."We are concerned they may have tampered with it with the intent of thwarting the efforts of the OPCW Fact Finding Mission to conduct an effective investigation. This raises serious questions about the ability of the (team) to do its job," he said in a statement Monday.Russian Foreign Minister Sergey Lavrov said last week his country had sent experts to the site and found "no trace" of chemical weapons use. On Monday, he told the BBC's Hardtalk show that he guaranteed there had been no Russian tampering.Around 75 people, including children, were killed in the Douma assault, UK officials have said, while 500 people were treated in the attack's aftermath with symptoms consistent with chemical weapons exposure, the World Health Organization reported, citing its partners on the ground.The OPCW has recorded more than 390 allegations of chemical weapons use in Syria since its investigation began in 2014, Wilson said. 3222

The Rev. Pat Conroy, the chaplain at the US House of Representatives, has rescinded his resignation in a letter, obtained by CNN, following a week's worth of lawmakers from both parties questioning House Speaker Paul Ryan's request that Conroy step down."At this time, and upon advice of counsel, I herby retract and rescind said resignation for the reasons that follow," Conroy writes in the letter dated Thursday and addressed to Ryan.Conroy, a Jesuit priest, resigned April 15 after he spent nearly seven years praying at the outset of House sessions. He wrote two versions of his resignation letter, which were also obtained by CNN from a congressional source. In the first version, he wrote that Ryan, who is Catholic, should consult with his chief of staff on a resignation date, but the second version stated his last day would be May 24. 853

The University of Washington’s Institute for Health Metrics and Evaluation now projects that 33,000 American lives would be saved between now and October 1 by near universal wearing of masks.The IHME released the updated model on Wednesday.The IHME’s coronavirus projections have been frequently cited in the past by the White House’s coronavirus task force. The group uses state data along with other metrics to create projections on the number of coronavirus-related deaths throughout the US.The projection state that the US is currently on track to have an additional 58,000 coronavirus-related deaths between now and October 1. But that number drops to just 23,000 if masks are universally worn in public. Those figures are on top of the over 121,000 reported coronavirus-related deaths since the beginning of the pandemic.The IHME’s model projects that the US death toll will stay consistent on a per-day basis between now and September, before starting to increase in the fall. But the model projects that fewer than 100 Americans will die per day from coronavirus by September if masks are worn.The IHME’s latest model projects that coronavirus-related deaths will continue to surge in the states of Texas, Arizona and Florida in the coming weeks, while leveling or dropping off in many other states.To see a state-by-state breakdown of the IHME’s projections, click here.Last month, a study in the Lancet found that the use of masks and respirators by those infected with the virus reduced the risk of spreading the infection by 85%. The authors analyzed data that showed that N95 respirators in healthcare settings were up to 96% effective. Other masks were found to be 77% effective. 1701

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