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As she finishes up her degree in English and editing, she spends her free morsels of time rock climbing and hiking.

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Once you’re connected, the scammer can access virtually any information you send over the network.

If you log into your online bank or check your credit card balance, the scammer can get your username and password.

Ironically, scammers can use this type of phone call to commit real fraud.

You receive a call from someone who says they’re from your credit card issuer’s fraud department.

Sometimes cashiers and waitresses have been recruited to be part of a skimming ring.

They swipe your credit card through a handheld skimming device when you're not looking.

You might be charged even if you decline the services.

Having your credit card issuer warn you about fraud on your account can protect you from future fraudulent charges.

They say there has been suspicious activity on your account and need some information from you to verify whether your account has been compromised.

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