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

### REPLY:
The most lucrative online fraud schemes that people should be aware of include credit card skimming, identity theft, and online investment scams. Credit card skimming involves stealing credit card information using devices installed on payment terminals. Identity theft occurs when personal information is stolen and used to commit fraudulent activities. Online investment scams promise high returns on investment but are designed to deceive individuals and steal their money.