Credit Card and Finance Tips

Every day we see on the news people who are defrauded by criminals who take advantage of the lack of information of citizens.

We have collected some of the advice offered by the FTC, for its acronym in English, and have created this little guide for you to be educated and do not become the next victim.

1. Do not respond to messages that ask for your personal or financial information whether they arrive by e-mail, via a phone call, text message or an advertisement. Do not click on links from emails or even call the numbers to be left on the answering machine. The criminals behind these messages are trying to trick you into giving them your personal information. If you receive a message that gives you concern about your account, call the telephone number on the back of your credit or debit card – or in your statement – and verify the information.
2. Remember to transfer money is the same as sending cash, the person sending the money is not protected against loss. Often, scammers insist on payment by money transfer, especially from outside the country, because it is almost impossible to reverse the transaction or follow the money. Do not wire money to strangers, or to sellers who insist on payment by bank transfer, or to anyone claiming to be a family member who is in an emergency (and you want to keep secret your order).
3. Read your bills and monthly statements regularly – both paper and online. Fraudsters steal account information and then spend or commit crimes under the name of their victims. Sometimes rogue traders charged “membership fees” per month and other goods or services you did not authorize. If you find charges you did not recognize or did not authorize, immediately contact your bank, card issuer, or any other creditor.
4. Remember that there is nothing that is completely safe. If someone contacts promoting investment opportunities in low risk and high profits, stay away. When promoters insist that you act immediately, will ensure big profits, you are promised a financial risk low or zero risk, or require you to send money immediately, report to the FTC. For more information about investment fraud, visit cftc.gov.

Remember that the agencies charged with law enforcement around the world work together to stop the scammers and provide the information consumers need to prevent fraud.

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