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

### REPLY:
One common online fraud scheme is phishing, where scammers send emails pretending to be a legitimate organization to trick individuals into providing sensitive information such as passwords or credit card details. Another scheme is identity theft, where criminals steal personal information to commit fraud or other illegal activities. Credit card fraud involves unauthorized use of someone's credit card information. Pyramid schemes are illegal business models that promise high returns for recruiting others into the scheme.