Gift Certificate Club

How the scam works:

You are buying a gift certificate online and when the transaction is almost done you are asked if you want to save $10 or $20 on that gift certificate. Naturally, you agree. Who wouldn't?

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You are invited to press “Continue” and after that you are required to write your e-mail address into a box. This step automatically signs you up for a membership for which you will be charged $10-$30 a month without you knowing it until one day you find it on your credit card statement and call your credit card provider.

After figuring out who charged your account, you call the company and are told, in a congratulatory tone, that you are a member of a privileged Discount Club. You might have saved $10 earlier, but you've paid it back – and then some.

How to avoid:

Don't just press the “agree to the rules and regulations” button without reading the details – always carefully check the fine print. If you want to participate in rewards programs and gift cards are really your thing, use only legitimate companies. One of the most trustworthy services out there is Swagbucks.com, which is the world's largest free online rewards program. You get paid by doing things online which you might do anyway, such as searching the web, discover products, take surveys, watch videos, or play games. You can also get free iTunes and Amazon cards. The company has an A+ rating with the Better Business Bureau. You can register for free HERE.

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Selma HrynchukSelma is a fraud prevention specialist renowned for her expertise in private eye investigations and a remarkable partnership with law enforcement agencies. Beyond her investigative triumphs, her public speaking engagements and written works have empowered countless individuals to protect themselves and stay ahead of deceptive schemes. Selma's legacy shines as a tenacious agent of change, unyielding in her commitment to battling fraud and ensuring a safer world for all.

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