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

### REPLY:
One common online fraud scheme is called "phishing," where fraudsters send emails pretending to be from reputable companies and request personal information like credit card numbers and passwords. Another scheme is "identity theft," which involves stealing someone's personal information to make fraudulent purchases or open credit accounts in their name. Additionally, "card skimming" is a method where fraudsters install devices on ATMs or payment terminals to capture credit card information. These schemes can lead to financial loss and identity theft if individuals are not careful.