### Comment:
What are some common online fraud schemes that people should be aware of?

### REPLY:
One of the most effective online fraud schemes is phishing, where scammers send deceptive emails pretending to be a legitimate organization to trick individuals into revealing their sensitive information, such as passwords and credit card details. Another common scheme is identity theft, where fraudsters steal personal information to assume someone else's identity for financial gain. Credit card fraud involves unauthorized use of someone else's credit card information to make fraudulent transactions. Pyramid schemes lure individuals into investing money with the promise of high returns, but they are unsustainable and often collapse, causing financial losses to participants.