If a company calls you unexpectedly and offers to help lower your credit card interest rate, say “no, thanks.” It’s probably a scammer hoping you’ll pay them for shortcuts that don’t really exist. Here’s how to spot and avoid scams that promise to help lower your credit card interest rate.

You might be interested in making money through investments. Who isn’t? So offers that promise big returns might draw your attention…and scammers know this. They use those promises and clever schemes to lure you in and, unfortunately, people are losing big money on investment scams. In fact, FTC data shows reports of more than $7.9 billion in losses to investment scams, with a median individual loss of more than $10,000 in 2025. Do you know how to spot and avoid investment scams?

Did you get a text with a picture of what looks like an official notice of a traffic hearing? You’re not alone. The FTC has seen a spike in reports about this text scam in the last month. It’s just the latest story of how scammers are trying to separate people from their money. Here’s how this scam works — and how to avoid it.

Life happens and sometimes you end up with trouble paying your mortgage. Maybe you were affected by a natural disaster, lost your job, or got stuck with a bunch of medical bills after an illness. Then, suddenly, you get an unexpected call offering you mortgage relief. But could it be a scam?