”Scam can come in many forms, but all are designed to get hold of your money.”

There were many criminal or scam cases happening not just in our country but also around the world. One of the major problem encountered of millions of people in our country is to schemes their fund.

Scams are getting more and more sophisticated, particularly when it comes in targeting you online, credit card and through mobile devices. In this guide we take a look at how you can recognize a scam, protect yourself and what to do if you’re a victim or have been targeted. They often combine new technology with old tricks to get people to send money or give out personal information or details. Below are practical tips on how to avoid scam:

• Spot imposters. 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.
• 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.
• Don’t believe your caller ID. Technology makes it easy for scammers of faking caller ID information, so the name and number you will 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 and you know if is genuine.
• 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, at first you they have asking money or fees. If you would do, they will probably take the money and will disappear.
• Consider how you pay.Credit cards have significant fraud protection built in, but some payment methods doubled bill through services is risky because it’s nearly impossible to get your money back. That’s also true for reloadable cards (like debit cards, GCash and apps) and gift cards (like load card). Government offices and other companies won’t requires using these payment methods. There is no hassle to go to the bank or remittance center and one of the tools that can be used is the scan to pay option that the GCash App offer to their user like paying bills, sending money and bank transfer.
• Talk to someone.Before give your money or personal information, talk to someone you will entrust directly. Don’t’ talk to anyone or the middleman. You are the one making decision. They might even threaten you. Slow down, listen their  story, do an online search, consult to expert — or just tell someone you trust.
• Stop all contact with the scammer. If you answer the phone and hear a recorded sales pitch, hang up and report it to the concern agency or company. These calls are illegal, and often the products are modus. Don’t press 1 to speak to a person or to be taken off the list. That could lead to more calls. Once you realized you are being scammed, stop conversation. Hang up the phone. Don’t reply to emails or letters scammers have sent you. If you have been scammed online, block the scammer immediately in avoidance of contacting you.
• Do not make any more payments. You must not make any more payments. Some scammers target people who are already victim of scams Some of them pretending as an overseas enforcement agency and promise that they can return all of your money back without fee.
• Contact the bank or service you sent money through. If you are the victim of a financial scam, credit card scam or identity theft, contact your bank immediately. They we have a policy in dealing with fraud. If you wish to send money through another bank or transfer service, it’s a good idea to contact the service you will going to used.

If you spot a scam, report it to the concern person or agencies. If you think you’ve been targeted, you should also reported to concern people so, it will be investigated. Be alert to avoid scam.