Calls from people who are trying to steal your money, personal data or financial information are all too common. It's not always so easy to detect a fraudulent call.
However, Scammers tends to be very good at what they do and are shifting to a "quality over quatity" approach. By employing more sophisticated tactics, like calling from a familar number, scammers increase the probability of you answering your phone.
Spots the scam signs
Are you able to spot the signs of a scam when you see them? Challenge yourself with these common scam examples.
Before you get started. Remember that scammers:
-Try to gain trust by claiming to be from a well-known business or impersonating a known contact.
-Will suggest their own verification procedures, like going to websites they have created or calling numbers they provide to you.
-Know how to appeal your emotions and press your buttons to get what they want
- Create a sense of urgency to get you to make decision without thinking.
1. Phishing Scam: Bank SMS
You receive a new SMS from your bank. After looking at it closely, you realise that although the previous SMS was real, the new SMS is a scam.
What are the signs that this is a scam?
1) Scammers can make messages look real. Even if you've previously received legitimate SMS message from the same number, don't assume all following messages are real. Scammers can ' spoof' real phone numbers or email address, to make it appear that they come from your actual bank.
2) It's different in style from the first SMS. The previous SMS ks legitimate and it provides information only. It tells you to log into your account but provides no links that could lead to potentially malicious websites.
3) It's not secure legitimate sites containing sensitive information will use https not http, but don't rely on this alone. Some scam sites use https too.
2. Online shopping scam.
You've been thinking about buying a brand new smart phone, then you see an ad on social media for a website that's selling brand new brand phone for an amazing price. You click on the link in the ad and it takes you to a website.
1) It's not secure. When online shopping, always look for the https (not http) and the padlock icon in the address bar to ensure there's a secure connection between you and the website. Don't rely on this alone, as some scam websites use https too.
2) It has a sense of urgency. Scammers try to create a sense of urgency to encourage you to do something quickly. Don't rush-take the time to do your research and consider whether a website
3) The deal is too good to be true. The price might be enticing, but remember that scams often presents offers that really are too good to be true.
4) It's using a non-secure payments method.
Think about how they're asking you to pay. Scammers often ask you to pay by non-secure payments methods.
It's rare to recover money sent this way. Always look for secure payments options such as a paypal or credit card.
Other signs to detect a scammer:
1. The caller can't communicate.
It's one thing to have an accent, but quite another to have virtually no command of the English language. A legitimate companies do use foreign call centers all the time, but when they do, the employees are vetted.
2. Caller says there's a problem with an unknown account
A sure signal that a scammer has reached you is if they say there is a problem with your credit product or utility provider- but you don't have an account with that company.
At first, you maybe confused and wonder if it could be for an old account you've forgotten about. Don't take the bait.
"If a call comes in from a vender or company that you don't do business with, that's your cue to simply hang up"
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