Here are ten common credit card scams that you should be aware of:

1. **Phishing Scams**: Scammers send emails or text messages posing as your bank or credit card company, asking you to provide your credit card information or login credentials.

2. **Skimming**: Thieves install skimming devices on ATMs or gas station pumps to capture your card’s magnetic stripe information. They may also use hidden cameras to record your PIN.

3. **Card-Not-Present Fraud**: Scammers use your card information to make online or phone purchases where the physical card is not required. They often obtain the information through data breaches or phishing.

4. **Account Takeover**: Hackers gain access to your online banking or credit card account, change the login details, and use your credit line for fraudulent purchases.

5. **Fake Credit Card Offers**: Scammers offer fake credit cards with attractive terms to lure you into providing your personal information, which they then use to commit fraud.

6. **Fake Charity Donations**: Fraudsters pose as representatives of charities, especially during disasters or holidays, and ask for donations using your credit card. The charity is fake, and the scammer keeps the money.

7. **Overcharge Scams**: You receive a call or email claiming that your card was mistakenly overcharged, and you need to provide your card details for a refund. Instead, your card is charged again.

8. **Unsolicited Credit Card Offers**: You receive an unsolicited offer for a new credit card that requires a fee or security deposit upfront. After paying, the card never arrives, or it turns out to be a low-limit card.

9. **Interest Rate Reduction Scams**: You get a call offering to lower your credit card interest rate for a fee. The scammer collects your payment information, but no reduction is applied.

10. **Fake Fraud Alerts**: Scammers call or text pretending to be from your bank's fraud department, claiming there’s suspicious activity on your card. They ask for your account information to "verify" your identity but then use it to commit fraud.

To protect yourself, be cautious with your credit card information, verify any unsolicited communication, and monitor your accounts regularly for unauthorized transactions.


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