Keeping safe online is never easy. There are many different scams disguising themselves as businesses trying to sell products and services. The trick is to distinguish between real advertising messages and those sent by hackers or scammers.
Hackers or scammers are people who try to break into your devices or accounts to steal information or money. They often pretend to be someone legitimate, such as a bank, police, the government or even someone you know. They can do this by researching your information online or looking at your contacts. They may ask for your credit card details, a bank transfer or purchase of untraceable funds — such as money on a gift card.
So be careful next time you get an email from your credit provider, especially when the email address is unknown or the request seems strange. If the email sent to you asks for any key personal information, it is best to speak first with your provider to check which bank they're with or ring the agency the email claims it represents.
One giveaway is if a scammer pretends to be someone you've paid through before requesting your payment details. Check the official contact information of your provider or bank and see whether they require anything from you after speaking to them.
Don't click on any links you don't know, and don't download any attachments. Be careful of anything claiming to be a reward, tax refund or competition win — sometimes things are too good to be true.
If you're unsure of the person contacting you or know it's a scam, stop all contact and don't make any more payments. If you have already given your details, ring your bank and cancel the card or put a hold on your account. You can always start a new card or account as needed.