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Hang up, and dial the number on the back of your card.

Another variation: A text "alert" from your bank or cellphone company that your account's been frozen. But with a scam, that link leads to a look-alike site that thieves use to harvest personal information, says King.

Dangling the promise of a prize, you're required to supply personal information and, often, to buy things, too, he says.

The scam gets its name from the fact that third-party operations are "cramming" their bogus charges onto real phone bills.Click on the link and you'll often be asked to "register" for your prize.That's when you really go down the rabbit hole, he says.That way, you know you're talking to someone from the utility company, and you can verify what you owe and when. 5: Gift card 'prize' The scam: An email announces you've won a high-dollar gift card from a popular retailer.It could be a scam, says Jason Schall, an attorney with the Federal Trade Commission.




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