### Comment:
What are the common types of online fraud schemes that individuals should be aware of?

### REPLY:
One common type of online fraud scheme is called "carding," where fraudsters use stolen credit card information to make unauthorized purchases. They can also sell this information on the dark web to other criminals. Another type is "pharming," where hackers redirect website traffic to a fake website to collect personal information from unsuspecting users. By using advanced techniques like keyloggers or phishing emails, fraudsters can obtain sensitive information such as passwords, social security numbers, and bank account details for illicit purposes.