Credit Card Scams
The Top 10 Credit Scams Online!

Guarding Against Credit Card Scams: The Top 10 credit fraud repair, credit scams, credit report scams, credit card fraud scams, credit fraud alert, and visa scams!

Guarding Against Credit Card Scams: The Top 10 credit fraud repair, credit scams, credit report scams, credit card fraud scams, credit fraud alert, and visa scams!

Fake credit card sites are cashing in on Your Personal Information.

You may have seen the web sites or received unsolicited email offering a free credit report or a low interest credit card. Be aware that some of these online operators may not actually provide free credit reports or credit cards, but may be using these sites as a way to capture your personal information.

From there, they may sell your information to others who may use it to commit fraud, including identity theft and other credit scams.

This is a variation on phishing, also called carding, a high-tech scam that uses spam or fraudulent web sites to deceive consumers into disclosing their credit card numbers, bank account information, Social Security numbers, passwords, and other sensitive information.

Credit Card Scams

The Federal Trade Commission (FTC), the nation's consumer protection agency, urges you to take the following precautions when visiting sites or responding to email that offer credit cards, because they may be part of the dozens of credit card scams online:

  1. If you get an email offering a credit card or free credit report, don't reply or click on the link in the email. Instead, contact the company cited in the email using a telephone number or web site address you know to be genuine.
  2. Be skeptical of unsolicited email offering credit reports and credit cards. Keep an eye out for email from an a typical address, like, or an email address ending in a top level domain other than .com, like .ru .tv or .de.
  3. Check whether the company has a working telephone number and legitimate address. You can check addresses at web sites like, and phone numbers through reverse lookup search engines like
  4. Check for misspellings and grammatical errors. Silly mistakes and sloppy copy - for example, an area code that doesn't match an address - often are giveaways that the site is a scam. Look at the company's Web address: is it a real company's address or it is a misspelled version of a legitimate company's Web address?
  5. Check to see whether the email address matches the web site address. That is, when you enter the company's web address into the browser, does it go to the sender's site or re-direct you to a different web address? If it re-directs you, that's a red flag that you should cease the transaction.
  6. Find out who owns the web site by using a ( Whois ) search such as the search at
  7. Exit from any web site that asks for unnecessary personal information, like a Personal Identification Number (PIN) for your bank account, the three-digit code on the back of your credit card, or your passport number and issuing country. Legitimate sites don't ask for this information.
  8. All legitimate sites will want to verify who you are, and will respond to an electronic request for a credit card or free credit report by asking you for an additional piece of information. If a site does not ask a follow-up question, the site is almost certainly a fake.
  9. Use only secure web sites. Look for the lock icon on the browser's status bar, and the phrase ( https ) in the URL address for a Web site, to be sure your information is secure during transmission. All real sites are secure.
  10. Watch your mailbox and credit card statements: If you've responded to a bogus site, you may never receive the credit card and free credit report they offered. If you paid one of these sites for a credit report, your credit card may never be charged. If you find that you have unauthorized charges, contact your financial institutions and credit card issuers immediately.
  11. Report suspicious activity to the FTC and the U.S. Secret Service.
The Federal Trade Commission (FTC) has taken action against companies that deceptively advertise major credit cards through television, newspapers, and postcards. The ads may offer unsecured credit cards, secured credit cards, or many credit card scams will not specify a card type at all.

The Ads From These Credit Card Scams:

Will usually lead you to believe you can get a card simply by calling the number listed. Sometimes the number is not toll-free. A 900 number service, for which you are billed just for making the call, may instruct you to give your name and address to receive a credit application, or give you a list of banks offering secured cards. It also may tell you to call another 900 number at an additional charge for more information.

Send the actual spam to the FTC at If you believe you've been scammed, file your complaint at, and then visit the FTC's Identity Theft Web site ( to learn how to minimize your risk of damage from identity theft.

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Disclosure: I am an independent Credit Repair Cloud™ Affiliate, not an employee. I receive referral payments from Credit Repair Cloud. The opinions expressed here are my own and are not official statements of Credit Repair Cloud.