Protect Yourself from Fraud

The new year is a time for fresh beginnings, but scammers are always looking for ways to take advantage. This can be through fake emails, online shopping traps, or suspicious payment requests, and remember, scams can target anyone. The best way to protect your finances? Stay informed and cautious when dealing with unexpected messages or offers.

Common Scams to Watch Out For
Scammers often use tactics that sound urgent or get. Here are a few common scams:

• Fake Online Deals: Ads for products at unbelievably low prices that lead to fake websites.
• Phishing Emails: Fake emails pretending to be from trusted companies, asking for sensitive information.
• Payment App Requests: Messages claiming you owe money or received a mistaken payment, urging you to send money back.

Spotting the Red Flags
Recognizing scams is all about noticing the small, or sometimes obvious, red flags. Deals that sound too good to be true are often just that—scams designed to trick you into providing personal or payment information. Be cautious of random messages or emails from unverified sources, especially if they have spelling or grammar mistakes. Scammers use urgent or threatening language to pressure you into making quick decisions. Taking a moment to pause and look over the situation can make all the difference in avoiding fraud.

Protect Yourself from Scams
Staying safe means thinking ahead. Always double-check links and communicate only with trusted sources. Use two-factor authentications on apps and accounts and use strong, unique passwords for each one. Avoid sending money to unknown people or businesses, even if they seem convincing. These habits help in keeping your money safe and secure.

What to Do If You’ve Been Targeted
If you think you’ve fallen victim to a scam, don’t panic—act quickly:

• Secure your accounts by updating passwords and turn on extra security measures.
• Contact Guadalupe Credit Union immediately to block unapproved transactions.
• Report the scam to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

We’re Here to Help
If you’re ever unsure about a suspicious message or think you’ve been scammed, Guadalupe Credit Union is here for you. Visit any branch or call us for guidance on protecting your finances.

Stay One Step Ahead
By staying informed and taking precautions, you can protect yourself against scams all year long. Remember, if something feels off, trust your instincts and verify before acting.