Beware the online scammers, for they are masters at what they do.  Initially, they reel you in with their promises of instant, easy, and, a chance of, great wealth, or some other nerve that they touch on where there is a great need.  Targeting a specific audience, their words of false promises, fraudulent advertising, and exaggerated amount of discount if you’ll only shop now, and only with them, instill an immediate sense of urgency in the consumer.   So much is the sense of urgency instilled, that unsuspecting or overly trusting onlookers rush to their wallets and, or, pocket books, frantically searching for that credit or debit card so that they can quickly make that purchase in the time limit that’s offered.  In many instances, the time limit is, for instance, “The next ten minutes,” or “The next twenty customers.”   Rushing back to their computers, those poor victims, of these online scammers,can’t seem to type quick enough to secure their bargain of whatever it is that will make them richer, happier, or even younger looking than they were not a second ago.

With a sigh of relief at seeing their purchase verified, only later, sometimes within minutes, but usually within days to a week, the purchaser quickly realizes that they have been the victims of these monstrous fellows who seem to operate without conscience at those they rob so easily and blindly.  Feeling a heavy weight in one’s stomach, the consumer tries to go through the banks, or the credit card company.  The bad thing is, that once you submit that credit card or debit card number, the transaction goes through in minutes.  Good luck on getting the payment stopped even if you change your mind immediately after you place your order and have it confirmed.  Many of the credit card companies offer some reassurance of their interventions regarding such scams, but the banks, ah well, that’s an entirely different story for the most part.    The consumer, already feeling completely foolish at having been so easily suckered in, now has to complete paperwork, in many cases, to dispute the purchase giving the reasons for the dispute and submitting copies of anything and everything concerned with the erroneous or refuted charges.  No matter what, the bank is going to make sure that they don’t go without payment where payment was submitted, and, unfortunately, this is one loss, depending how big the loss is, that the consumer might have to simply chalk up to experience.

The rule of thumb is, no matter how desperately you think you need something, no matter how wonderful this offer sounds, the bottom line is, if it comes as being too good to be true, then it probably is a scam.  If you sit back for twenty-four hours and think everything over in your head during that time before reaching for that credit/debit card, chances are you probably won’t feel as compelled to order as you did within the first five minutes of listening to their misleading and often fraudulent sales pitch.   I’m not a big fan of credit cards, I think they’re trouble in and of themselves, but the ones that make certain guarantees on scams, and getting your fees removed, are probably worth their weight in gold if you tend to make a lot of bad choices in you purchases, especially if they’re online.  The easiest way to deal with this though would be to sit on it for a day or so, and if you still feel you have to, then do so at your own risk.  Make sure the company has a phone number, legitimate customers that you could actually email or contact in some way to get their true opinion, and always check out any reviews that have been previously offered.  Are the products offered online, like online classes vs. delivering software and CD packages to you?  Be sure that what you see in their advertisements is an accurate account of what you actually get.  Once you give up that card number online, it’s not only a hassle to try to get your money back, but, also, now they have your card number and the potential to steal your identity and wipe out all your accounts associated with that card or the credit limit on it.  So, like mentioned previously, if in doubt, sit on it for twenty-four hours and them make a decision as to what is the best thing to do.  In any event, never let your guard down when purchasing things online, and beware of those online scammers that are looking for desperate people who want to make purchases and have money to spend!

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