Knowledge is your best defense. Here are some common scams to watch out for.
What if someone says I won a prize but I have to pay a fee?
This is almost always a scam. Real prizes don't require you to pay money to receive them. Never send money or gift cards to claim a lottery or sweepstakes prize.
What if my bank or the government asks for my password?
Your bank and government agencies like the Social Security Administration will never call or email you to ask for your password, full Social Security number, or bank account number. Hang up and call them back using the official number from their website or your bank card.
What if an urgent message says my account is locked?
Be very careful with urgent security alerts. Scammers use fear to make you act fast. Instead of clicking the link in the message, go directly to the company's website by typing its address into your browser to check your account status.
What if a "tech support" agent calls to fix my computer?
Companies like Microsoft or Apple will not call you unexpectedly to tell you there's a problem with your computer. This is a common scam to gain access to your device or sell you useless software. Hang up immediately.
What if a relative emails asking for money for an emergency?
This could be a "grandparent scam." Scammers pretend to be a loved one in trouble. Before sending any money, call that relative or another family member at a number you know is real to confirm the story is true.