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

### REPLY:
The most common online fraud schemes to be aware of include credit card fraud, where stolen credit card information is used to make unauthorized purchases, and identity theft, where criminals steal personal information to open fraudulent accounts or commit other crimes. Other schemes include phishing scams, where attackers send fake emails or messages to trick individuals into revealing their login credentials or financial information. Additionally, there are schemes like advance-fee fraud, where individuals are tricked into paying money upfront in exchange for promised rewards or prizes.