### Comment:
What are the most common online fraud schemes and how can I protect myself from falling victim to them?

### REPLY:
The most common online fraud schemes include phishing, identity theft, and credit card skimming. Phishing involves tricking individuals into providing sensitive information such as passwords or credit card details by impersonating a trustworthy entity. Identity theft involves stealing personal information to commit fraud or other crimes. Credit card skimming is the act of capturing credit card information without the cardholder's knowledge. To protect yourself from falling victim to these schemes, it is important to share sensitive information only on secure websites and avoid using public Wi-Fi networks for financial transactions. Additionally, it is advisable to use a credit monitoring service and regularly check your credit reports for any suspicious activity.