Never give out a credit card number (or
social security number) to anyone who has called you on the phone. If you call a
reputable merchant to purchase by phone, keep a written record of what you ordered, what
the prices were, and how you paid.
You cannot be required to pay a fee if you
have "won a prize" in a contest. Tell the caller he or she is breaking the
law and hang up.
Beware of people with stock tips, "sure
thing" investment opportunities, and similar "secret" ways to make you
rich. The only person getting rich is the crook.
If someone mails you unsolicited merchandise
you have the right to keep it without paying for it or to return it.
Beware of high-pressure sales tactics,
whether door-to-door or via telephone. You have the right to demand all information
in writing and to insist on having time to read it (and show it to a friend or family
member). Honest business employees rarely pressure you to act now.
Many con artists work the telephones using
the names of police departments, church groups, and other local groups to try to get money
from you. Local and national charities are always glad to send information before
you give.
Be alert to medical quacks. Quick
cures, miracle drugs, and the like are almost always worthy of suspicion. Call your
family doctor for advice before buying.
Beware of two old schemes. If a
stranger offers to split "found money" with you but suggests you each leave a
cash deposit with someone; you'll never see your cash (or the found money) again. If
anyone claims to need you to withdraw funds from a bank or savings and loan to "test
the honesty of a teller", tell them you leave those actions to properly credentialed
federal and state authorities (who never ask for such volunteers).
