Billionaire Femi Otedola's daughter, Temi Otedola, was sleeping while her credit card was busy online.

At first, she thought it was all a dream when alerts started coming in but reality later dawned on her that she has been scammed.

Temi woke up to find out that her credit card had been used by someone for overnight shopping.

The fashion blogger made it clear that its her UK card that was used and all the card payments were made in UK stores.

Internet fraudsters use clever schemes to defraud millions of people every year. 

They often combine new technology with old tricks to get people to send money or give out personal information. 

Here are some practical tips to help you stay a step ahead as shared by an Information Technology expert, Sunday Isijola.

1.) Spot crooks

Scammers often pretend to be someone you trust, like a government official, a family member, a charity, or a company you do business with.

Don’t send money or give out personal information in response to an unexpected request — whether it comes as a text, a phone call, or an email.  

2.) Do online searches

Type a company or product name into your favorite search engine with words like “review,” “complaint” or “scam.”

Or search for a phrase that describes your situation, like “IRS call.” You can even search for phone numbers to see if other people have reported them as scams.

3.) Don’t believe your caller ID

Technology makes it easy for scammers to fake caller ID information, so the name and number you see aren’t always real.

If someone calls asking for money or personal information, hang up. If you think the caller might be telling the truth, call back to a number you know is genuine.

4.) Don’t pay upfront for a promise

Someone might ask you to pay in advance for things like debt relief, credit and loan offers, mortgage assistance, or a job.

They might even say you’ve won a prize, but first you have to pay taxes or fees. If you do, they will probably take the money and disappear. 

5.) Consider how you pay

Credit cards have significant fraud protection built in, but some payment methods don’t.

Wiring money through services like Western Union or MoneyGram is risky because it’s nearly impossible to get your money back.

Government offices and honest companies won’t require you to use these payment methods.

6.) Talk to someone

Before you give up your money or personal information, talk to someone you trust.

Con artists want you to make decisions in a hurry. They might even threaten you. Slow down, check out the story, do an online search, consult an expert — or just tell a friend.

7.) Don’t deposit a check and wire money back

By law, banks must make funds from deposited checks available within days, but uncovering a fake check can take weeks.

If a check you deposit turns out to be a fake, you’re responsible for repaying the bank.


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