Author: Tom Levine 作者：汤姆文
Article source: http://linksnoop.com/ . 文章来源： http://linksnoop.com/ 。 Used with author's permission. 用作者的许可。 In August, 2004, the Federal Trade Commission issued their findings of a recent study, which showed that nearly 25 million adults were victims of fraud.今年8月， 2004年，美国联邦贸易委员会发表的调查结果最近的一项研究显示，近25亿成年人是受害者的欺诈行为。 Now, most importantly, If you are a victim of fraud, please do not feel like you did anything wrong.现在，最重要的是，如果你是一个受害者的欺诈行为，请不要觉得你没有做错任何事。 It happens to all of us at one point or another, as the FTC's study clearly shows.这种事我们大家都在一个点或另一种，因为美国联邦贸易委员会的研究报告清楚地表明。 Everyone likes a magic trick, and none of us are fully capable of noticing the con-artists' slight of hand.每个人都喜欢一个神奇的帽子戏法，和我们都完全有能力发现的协商艺术家轻微的手。 So, if you're a victim, take a deep breath.所以，如果你是一个受害者，深呼吸。 You're normal.你是正常的。 But, there's an old saying that goes something like this: Fool me once, shame on you…Fool me twice, shame on me!"但是，有句老话认为是这样的：骗我一次，可耻的是你...骗我两次，可耻的是我！ “ Here are 5 KILLER STEPS to protect yourself from Credit Card SCAMS!这里有5个杀手步骤来保护自己免受信用卡诈骗！ - NATIONAL NO-CALL REGISTRY.国家无电话登记。
- TELEPHONE SOLICITATION电话纽蒙特
- 1-900 NUMBERS. 1-900号码。
- ANNUAL FEES, INTEREST RATES, ETC.年费，利息等。
- THE UNITED STATES FEDERAL TRADE COMMISSION在美国联邦贸易委员会
1. 1 。 NATIONAL NO-CALL REGISTRY:国家无呼叫登录： There's nothing more annoying then those credit card offers that you get over the phone.没有什么更恼人的那么这些信用卡报价，你的电话。 I don't know about you, but the last thing I want to be doing, while having dinner with my 1 year old daughter and my beautiful wife, is to be annoyed by phone calls from solicitors that just want to make money off me.我不知道你，但最后一件事我想这样做，而共进晚餐我1岁的女儿和我美丽的妻子，是讨厌电话律师说只是想赚钱我。 Legitimate or not, these calls are a nuisance.合法与否，这些要求是一种滋扰。 If you're like me, and you would rather live without dealing with these calls, then go do this:如果你像我一样，你宁愿生活在处理这些要求，然后再做到这一点： - The FTC has created the National Do-NOT-CALL registry.该委员会已设立了全国请勿呼叫注册表。 Go find out more information about it.去找到更多的相关资讯。 The website is: http://www.donotcall.gov该网站是： http://www.donotcall.gov
- If it makes sense, complete the online form.如果它是有道理的，完整的在线申请表。
- Take a deep breath, and relax.深呼吸，并放松。 Within 30 days, the list will start working for you.在30天内，该清单将开始为您工作。 I can personally attest that, while the solicitations have not stopped completely, they have significantly, significantly decreased.我个人可以证明，尽管招标已经完全没有停止，他们显着，显着降低。
Join the FTC No-CALL-Registry, and enjoy a reduction in telephone solicitation phone calls.加入美国联邦贸易委员会没有呼叫登记，并享受减少电话邀约电话。 2. 2 。 TELEPHONE SOLICITATION:电话纽蒙特： Believe it or not, the vast majority of lenders out there are legitimate.信不信由你，绝大多数的贷款有是合法的。 Also, believe it or not, a lot of these lenders utilize telemarketing as a method of reaching out to potential customers.此外，相信与否，很多贷款人利用这些电话作为一种接触的潜在客户。 - But beware of a wolf in sheep's clothing.但要小心一个披着羊皮的狼。 Legitimate Lenders never ask for a processing fee in order to complete your application (this does not include appraisals during a real estate transaction in Escrow…We are discussing credit cards here).合法的贷款从来没有要求处理费，以完成您的申请（这不包括在评价房地产交易的托管...我们正在讨论的信用卡在这里） 。
- Keep your personal information to yourself!保持您的个人信息给自己吧！ Don't give out bank information, credit card numbers, social security numbers, etc., to someone you don't know, on a telephone call.不要给了银行信息，信用卡号码，社会安全号码等，给您不知道，就一个电话。 Use your common sense.使用常识。
- If you don't have the offer in hand, or confirmed in writing, then don't pay.如果您没有提供在手，或以书面确认，然后不付钱。 This is fraud.这是欺诈行为。 Who is this person on the phone anyway?谁是这个人的电话吗？ Get their phone number, their address, their federal tax ID number, and then tell them you'll call back.获取他们的电话号码，地址，其联邦税收身份证号码，然后告诉他们你会打电话回来。 If they're legitimate, they'll give it to you.如果他们合法，他们就可以给你。 If you question them, then I say trust your instincts.如果你问他们，然后我说相信你的直觉。 You're probably right on target.你可能正确的目标。
Who is this on the phone?是谁的电话？ Don't trust people you haven't had a chance to get to know.不信任的人你有没有机会去了解。 Don't let one enticing offer on a phone call, be your guide...不要让一个诱人提供的电话，是您的指导... 3. 3 。 1-900 NUMBERS: 1-900号码： A 1-900 number is, of course, a phone number that charges the caller per minute for making the call.甲1-900号码，当然是一个电话号码的收费打电话每分钟为使电话。 Whether it's a 1-900 number, or a future manifestation of the same type of telephone service, be wary of doing business this way.无论是1-900号码，或未来的表现，同一类型的电话服务，警惕做生意这种方式。 - The most common Credit Card SCAM, in all of its different forms, is called an "ADVANCE FEE LOAD SCAM".最常见的信用卡骗局，在其所有不同的形式，被称为“预付款负荷SCAM ” 。 Typically, you will find these in the classified section of your local newspapers and trade magazines, and unfortunately, you'll also see them floating around the internet.通常情况下，你会发现在这些机密部分的当地报纸和商业杂志，不幸的是，您还可以看到他们漂浮在互联网。
- In a nutshell, the perpetrator will guarantee you a loan, but you have to pay them an upfront fee first.概括地说，肇事者将保证你的贷款，但你必须向他们支付了首期费用第一。 The fee can range from $100 to several hundred dollars.收费范围可以从100美元到几百美元。 The charges can be extracted using telephone services like 1-900 numbers.这些指控可以提取使用电话服务，如1-900号码。 Beware of courier services, and transactions that avoid the US Postal service, often conducted so as to avoid detection.谨防信使服务，交易，避免美国的邮政服务，经常开展，以逃避侦查。 The scam is that once the fake company has your money, they disappear from the planet, leaving you a victim of their con.这种欺骗性在于，一旦假公司你的钱，他们消失的地球，留下您的受害者，他们的控制。 You are out money, and no credit card.您的钱，没有信用卡。
- Now lets' not confuse Advance Fee Load Scam artists with legitimate lenders and institutions.现在，让'不要混淆预交费负荷骗案艺术家与合法贷款和机构。 I can attest that there are real companies out there, trying to help you to get the credit, loans, and consumer debt services that you need.我可以证明，有真正的公司在那里，试图帮助你获得信贷，贷款和消费信贷服务，您所需要的。 I believe in many of these services, and I believe in the convenience and power of the internet.我相信在许多这些服务，我相信在方便性和权力的互联网。 However, use your common sense in all your business transactions in life, and that includes credit.然而，使用的常识，您所有的商业交易在生活中，这包括信贷。 Never give someone money without getting anything back in return.从来没有给别人钱没有得到任何东西作为回报。 Never trust someone that you don't know.从来没有信任某人，你不知道。 Never get enticed into a deal that's too good to be true.永远不会诱使成一个交易的好得是真实的。
Use your common sense, and don't fall prey to the con artists slight of hand, such as the Advance Fee Load Scam...使用常识，不属于猎物的骗子轻微的手，如预交费负荷骗案... 4. 4 。 ANNUAL FEES, INTEREST RATES, ETC.:年费，利息等。 ： Credit Card Scams come in all different shapes and sizes.信用卡诈骗来的所有不同的形状和大小。 Many of them are, arguably, not scams at all, but let's just call them credit card offers involving consumer unfriendly terms.他们当中许多人，可以说，不是诈骗，而是让我们只是要求他们提供信用卡消费不友好的条款。 - Read the fine-line.阅读罚款线。 Every Credit Card Offer must provide the Consumer with written documentation on the terms of the offer.每一个信用卡优惠必须向消费者书面文件的条款。
- Check the Annual Fee, the Interest Rates, the Cash Advance Fees, the Late Fees, and all other terms of the offer.年度检查费，利率，现金预付款费，滞纳金，以及所有其他条款。
c) Make sure you know what you are getting.三）请确定您知道您得到。 Some offers are for secured cards, some are for unsecured cards, and some offers are for shopping portals online and offline (Like a department store card).有些提供的担保卡，有些是无担保卡，以及一些优惠购物的门户网站在线和离线（如百货公司卡） 。 So, while none of these are scams, by definition, it is important that you fully understand the terms of the credit card offer that you are agreeing to.因此，虽然这些都不是骗局，顾名思义，重要的是，您完全理解的条款，提供信用卡，您同意。
Be a responsible consumer, and read the terms and conditions of your credit card offer...是一个负责任的消费者，并宣读的条款和条件，您的信用卡提供... 5. 5 。 THE UNITED STATES FEDERAL TRADE COMMISSION::在美国联邦贸易委员会： ： The best place to go for direct consumer information, protection, and remedy, is the United States Federal Trade Commission...最好的地方去，直接消费信息，保护和补救措施，是美国联邦贸易委员会... The FTC website is: http://www.ftc.gov公平交易委员会的网站是： http://www.ftc.gov The FTC can provide you with TONS of free information about Credit Cards, and other consumer related concerns.联邦贸易委员会可以为您提供免费吨的有关信用卡和其他消费有关的问题。 They can help you learn more about what to avoid, how to be a smarter consumer, and what to do if you believe that you are a victim of fraud, and what your remedies may be.他们可以帮助您更多地了解，以避免，如何做一个聪明的消费者，做什么，如果你认为你是一个受害者的欺诈行为，你可以补救措施。 The FTC is there to help...该委员会是有帮助... SUMMARY:概要： Use the No-Call Registry to cut down telephone solicitations in your home and places of business.使用无注册呼叫降低电话邀约在您的家中和营业地点。 While many legitimate lenders utilize telemarketing, be careful.虽然许多合法的借贷利用电话，要小心。 Don't give out personal information to people you don't know, don't pay up-front processing fees over the phone, and get everything in writing.不要透露个人信息的人你不知道，不支付预付加工费的电话，让一切都以书面形式提出。 Consider yourself an advised consumer on "Advanced Fee Load" Scams, and look out for the signs, when these scams regrettably make their way to you.试想你一个忠告消费者“高级负荷费”诈骗，并期待为标志，当这些诈骗遗憾使他们的方式给您。 Read the terms of the offers that you are considering, and utilize the FTC website for trusted information, resources, and all related materials on consumer credit card issues.阅读的条款提供您正在考虑，并利用美国联邦贸易委员会的网站值得信赖的信息，资源，以及所有相关材料消费的信用卡问题。 We've enjoyed providing this information to you, and we wish you the best of luck in your pursuits.我们已经得到这个信息提供给你，我们祝你好运在您的追求。 Remember to always seek out good advice from those you trust, and never turn your back on your own common sense.请记住，始终寻求了良好的意见，那些你信任，决不让您回到您自己的常识。 Publisher's Directions: This article may be freely distributed so long as the copyright, author's information, disclaimer, and an active link (where possible) are included.出版者的方向：本文可自由分配，只要版权，作者的信息，声明，并积极联系（如适用）也包括在内。 Disclaimer: Statements and opinions expressed in the articles, reviews and other materials herein are those of the authors.免责声明：和意见的文章，评论和其他材料，此处是作者。 While every care has been taken in the compilation of this information and every attempt made to present up-to-date and accurate information, we cannot guarantee that inaccuracies will not occur.虽然每个已经采取谨慎的汇编本的信息和每一个试图目前最新的和准确的信息，我们不能保证错误不会发生。 The author will not be held responsible for any claim, loss, damage or inconvenience caused as a result of any information within these pages or any information accessed through this site.作者将不承担任何责任索赔，损失，损害或不便，由于任何资料，在这些网页或任何资料可以通过这个网站。 About The Author作者简介 Tom Levine provides a solid, common sense approach to solving problems and answering questions relating to consumer loan products.汤姆文提供了一个坚实的，常识的办法来解决问题，并回答记者提问有关消费贷款产品。 His website seeks to provide free online resources for the consumer, including rate-watch, tips and articles, financial communication, news, and links to products and services.他的网站旨在提供免费的在线资源的消费，包括利率手表，技巧和文章，金融通讯，新闻和联系的产品和服务。 You can check out Tom's website here: http://loan-resources.org , or you can email Tom at info@loan-resources.org .您可以检查出汤姆的网站浏览： http://loan-resources.org ，或者您也可以在电子邮件汤姆info@loan-resources.org 。 Copyright 2004, by Loan-Resources.Org版权所有2004年，由贷款Resources.Org
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