### Comment:
What are some common online fraud schemes to be aware of?

### REPLY:
One common online fraud scheme is known as "pharming," where scammers redirect users from legitimate websites to a fake website in order to collect their personal information. Another scheme is called "card cracking," where scammers convince individuals to provide their bank account details and PIN numbers, promising quick money in return. These schemes can lead to financial loss, identity theft, and other serious consequences. It is important to be aware of these illegal activities and report them to the appropriate authorities.