There is no telling when one will come across a scam, but it’s important to be able to identify the warning signs of a potential scam. Even more important is knowing what to do after being scammed.
Always be informed. You need to know where you can turn for help. You also need to know the latest developments in terms of scam sophistication and how to counter it.
Beware of Anti-virus software- not all of it is legitimate. Never allow remote access to your computer. Should you face this challenge, find someone with expertise knowledge on firewalls to assist. Frequently scan your computer as a measure.
Never share your credit card details with anyone. Should a scam occur, make sure that you contact the credit card company immediately. If your card is retained at the ATM, block your card. Never provide any One Time Pins over the phone. Contact credit bureaus to reduce the risk of a scammer using your personal information to access new credit.
Build better passwords in order to further protect yourself.
Notify law enforcement immediately and alert family and friends.
If a scammer uses the identity of a legitimate business or government agency- notify them immediately.
Scams most faced by South Africans:
Young people with higher-level qualifications are offered jobs that don’t exist. This is used as a ruse to get personal information from unsuspecting individuals, such as ID numbers, bank account information or credit card details. Some may even be threatened with urgent requests to pay upfront in order to secure employment.
Victims are informed that a large inheritance is available. They are told that the claims procedure will be started on their behalf. But the trick is that in order to start this claims procedure, they will require a certain amount of cash upfront. The victim never gets their money back.