New round of sophisticated credit card scams designed to separate you from your jard-earned money

A wave of sophisticated scams is hitting residents, from fake bank calls to nonexistent rental properties and too-good-to-be-true online deals, authorities warn.

Here’s what you need to know to protect yourself:

Scammers posing as bank representatives are phoning victims, claiming their cards have been compromised. They offer to send someone to “secure” the account by destroying the card in person. But once they get their hands on it, the card is used to drain the account. Experts say these callers may sound convincing, but it’s a ruse to steal your money.

In the rental scam, fraudsters list properties that don’t exist or are already occupied, posting fake ads on legitimate platforms or creating sham websites. They demand upfront payments from eager renters, then vanish, leaving victims with no home and lighter wallets.

Online shoppers are falling prey to fake websites and social media ads promising unbeatable deals on hot items. Scammers may mimic trusted businesses, but the goods never arrive. Some sites even use bogus checkout pages, risking not just money loss but identity theft too.

Experts offer these tips to dodge the scams:

• Verify Calls: Unsure about a caller claiming to be from your bank? Hang up, find the official number on the bank’s website or the back of your card, and call directly. Never share personal or financial details without confirming who’s on the line.

• Resist Pressure: Scammers thrive on urgency—warnings of compromised accounts, service cutoffs, or legal threats. Step back, talk it over with someone you trust, and don’t rush into decisions.

• Watch for Red Flags: Upfront fees or “guaranteed” returns often signal trouble. Check a company’s reputation with online reviews before committing.

• Avoid Gift Card Payments: Legitimate entities like banks, utilities, or the IRS won’t demand gift card payments. Never share gift card numbers with strangers.

  
  

   If you’ve been hit, the Better Business Bureau’s Scam Survival Toolkit can guide your recovery.