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

### REPLY:
One common online fraud scheme to be aware of is called "phishing." This involves sending emails or messages that appear to be from a legitimate company or organization, asking for personal information such as passwords or credit card numbers. Another scheme is "identity theft," where someone steals your personal information and uses it to commit fraud or other illegal activities, such as opening credit card accounts in your name. It's important to be cautious and protect your personal information at all times.