There’s a new text scam the FTC is hearing about. It involves fake recruiters offering fake jobs, stealing real money. Here’s how these scams work — and how to avoid them.

If you’re on social media, you know posts from friends and family might not be the only ones on your newsfeed — scammers are there too. FTC data shows that losses to scams on social media have been increasing dramatically since 2020 — people reported losing $2.1 billion to these scams in 2025 alone. The FTC’s new data spotlight brings to light some of the insights about what scams people experience on social media. Keep reading to learn how to scroll past the scams.

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?