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

### REPLY:
One common online fraud scheme is called "phishing," where scammers send emails pretending to be from reputable companies, such as banks or online retailers, and ask for personal information like login credentials or credit card details. Another scheme is "card cracking," where scammers trick individuals into providing their debit card and PIN numbers, promising quick cash. Additionally, "identity theft" is a prevalent scheme where scammers steal personal information to commit various fraudulent activities, including opening bank accounts or applying for loans in the victim's name.