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If only one in every thousand people falls for this scam, the scammers have won.This one involves an item you might have listed for sale such as a car, truck, or some other expensive item.You will never see any of the promised money because there isn’t any.This scam is not even new; its variant dates back to 1920s when it was known as "The Spanish Prisoner" con.

A common variation is a woman in Africa who claimed that her husband had died and that she wanted to leave millions of dollars of his estate to a good church.

The emails frighten or entice you into clicking on a link that delivers you to the phony web page, where you can enter your ID and password.

A common ruse is an urgent need to "confirm your identity." The message will even offer you a story of how your account has been attacked by hackers to trick you into divulging your confidential information. Check a link's legitimacy by checking that the URL address of the link is sending you to a secure site — you'll know this because the link address will begin with https:// (note the "s" after http). If still in doubt, make a phone call to the financial institution to verify if the email is real.

” These scams are obvious to people who take the time to scrutinize the offer.

Reputable credit card companies may charge an annual fee, but it is never charged upfront (again, why on Earth would they?

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It's more lucrative to apply the fee to your credit balance and potentially collect interest on it! As for incredible pre-approved loans for half-a-million dollar homes: Use your common sense.

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