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

### REPLY:
One common online fraud scheme to be aware of is phishing scams, where fraudsters try to obtain sensitive information such as your credit card details, social security number, or login credentials by posing as a legitimate organization through carefully crafted emails or websites. Another common scheme is identity theft, where someone steals your personal information, such as your name, address, and date of birth, to commit fraud in your name. It's important to be cautious of suspicious emails, links, and requests for personal information, and to regularly monitor your financial statements and credit reports for any signs of fraudulent activity.