A mataki-mataki tsabar kudi ga kayan online shopping, phishing tsabar kudi, da rubutun credit cards a 2026 - free, daidaitacce, da aka gina ga mutane da ke bukatar taimako a yanzu.
Shin kana da sha'awa, yi wannan a tsari:
Yanar Gizo: Yanzu a cikin farko 24 sa'o'i ya ci gaba da yawancin tsabar kudi. Kasuwanci na katin kudi ne mafi tsabar kudi; P2P transfers (Cash App, Venmo, Zelle) ba.
If you're reading this, za ka iya kawai zama albarka - ko ka so ka za ka iya zama. Duk da haka: Za ka ba kawai, kuma daidaitacce ne m. Americans ya gabatar da rage $ 15.9 biliyan don kammala a 2025. Mafi mutanen da aka kwarewa da kuma tsanani - amma mafi kammala za a iya canza idan ka yi aiki da sauri da kuma karantawa da mataki.
lokaci matsaloli. Kasuwanci da aka gabatarwa a cikin 60 kwanaki na karfin ruwa yana da mafi ƙarfi hukumomi. Kasuwanci da aka gabatarwa a cikin 24 hours yana da mafi girma tsabar kyakkyawan tsabar kyakkyawa. Wannan magungunan yana ba ka bayar da kyakkyawan kyakkyawan da za ku yi a yanzu, don haka, za ka samu abin da ka iya da kuma sarrafa ku a gaba.
Wadannan ne musamman patterns cheaters amfani. Idan ka nuna 2 ko mafi, ji ka.
Wadannan kwarewa mai ban sha'awa suna zama a yanzu - san su taimaka ka samu su.
A shoppers samuwa daga wani fake Temu site, bayar $ 1,200. Duk da suka zo da kasuwanci na katin lantarki a cikin 6 sa'o'i, ya gabatar da sha'awar tsanani, da kuma samu da sha'awar gabatarwa a cikin 14 kwanaki. Duk da haka, suka gabatar da FTC da aka sauke sha'awar tsanani. Total daidaita: 100% na kayayyakin. Key: aka gyara da kuma amfani da credit card.
Kasuwanci ya rubuta $ 800 zuwa 'cash flipping' mashiga a kan Cash App. Suna gabatar da Cash App sabis a cikin sa'o'i, amma kudi ya kasance ba. Cash App rarraba P2P transfers. Suna gabatar da FTC da police, amma kudi suna ba. Total daidaitacce: $ 0. Lesson: Lissafi na P2P (Cash App, Venmo, Zelle) yana da ƙananan ƙarfi - ba za a ba da shi a cikin masu ban sha'awa.
A senior ya rage $ 15,000 zuwa wani romance sha'awar a kan 3 watanni. Bayan haɗin gwiwa, suka gabatar da FTC, FBI IC3, da police. Duk da suka zo da 'ya'yan daidaitaccen' su ba da $ 2000 a karkashin - wani biyu sha'awar da suka so. Ƙararrawa: $ 4,500 (one wire transfer da aka yiwuwa ta hanyar banki). Lesson: banki wire transfers za a iya daidaitacce idan ra'ayi a cikin hours.
Sa'an nan za ka san abin da za a sarrafa. Amma scammers ci gaba da kullum - sabon lookalike sites, sabon phishing takaddun shaida, sabon hanyoyin aiki. Za ka kamata ka so ka gyara kowane Red Flag kowane lokacin da ka shigar. That's what Nudge is for.
We built Nudge to be the permanent layer of protection between you and these scams. Real-time trust scores on every site you visit. Automatic warnings when something looks off. No subscription. No account. No data collection. Ma'aikatan mafi rage ga yanar gizo a kan layi - manyan mutane, abokan ciniki da low-gaba, farko abokan ciniki - ne daidai da mutane wanda za su iya ba da mafi kyau kayan aiki na kayan aiki.
Ƙaddamar da wadannan 8 mataki a tsari. Na farko 5 za su zama a cikin 24 hours. The rest a cikin 7 kwanaki. Ƙaddamar da su dukkan - ƙaddamar da mataki ya ƙaddamar da kudade.
Block lambar hannu, emails, social media accounts, dating app profiles - wani abu da aka haƙƙoƙi da al'amurran. Kada ka so 'tallace' su, samun al'amurran, ko ka samu kudi ta hanyar haƙoƙi. Lambar al'amurran da yawa su tafi tare da 'tallace al'amurran' sabis don taimaka ka samu kudi (tallacewa). Sauke duk sadarwa. Yanzu.
If you used a credit card: kira da yawan a kan ƙarshe na your card. Say 'I need to dispute fraudulent charges.' Yana zauna karkashin, ya ba da wani sabon, kuma fara tsari. Idan ka amfani da debit: kira banki ta ban sha'awa line har yanzu. Credit cards yana da ƙarfi tsarewar tsarewar (Fair Credit Billing Act). Debit cards yana da ƙarfi tsarewar (Electronic Fund Transfer Act).
Yi amfani da wani na'urorin da ka san cewa ba za a rage - ba ka rage na'ura mai ban sha'awa ko amfani da kwamfutarka kwamfutarka idan ake bukata. Zabi haƙƙĩƙa a: da akaun sha'awar, da email, da akaun banki, wani akaun da ke amfani da wannan haƙƙĩƙa. Akwai 2FA a kowace rana. Scammers da yawa amfani da wani haɗin haɗin haɗin haɗin haɗin haɗin haɗin haɗin haɗin haɗin haɗin haɗin.
The FTC's Consumer Sentinel Network yana taimakawa hukuma tracking scammers. Duk da cewa ba ka san cewa matsaloli na musamman za a yiwuwa, bayaninku ya taimakawa zuwa pattern detection. Binciken bayanai da ake bukata: matsaloli na irin, matsaloli na rubutu (tallafi, email, URL), kudi da aka samu, samfurin samfurin. Ya kamata 5-10 minti. Wannan shi ne ofishin U.S. U.S. U.S. U.S. U.S. U.S. U.S.
Zabi: takardar shaida (screenshots, emails, transaction records), lissafi ta hanyar lissafi bayanai, total kudin kudin kudin. Police da yawa ba za a iya ƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙirƙiri. Sauke copy na report ga kayayyakinka.
Tuntuɓi Equifax, Experian, ko TransUnion (tuntuwa da alama tare da daya ya gabatar da sauran). Free sabis. Tsarin 1 shekara (muke dacewa). Yana ƙirƙirar abokan ciniki don tabbatar da asalinka kafin sauke sabon asusun. If identity steal is suspected, place a credit freeze instead - mafi ƙarfi, free for life, za a iya haifar da lokaci a lokacin da ka samu for credit.
Sauke kowace rana a cikin makonni na farko, sa'an nan kowane makonni a kan 90 kwanaki. Duba ga: baƙi da kudi, sabon account da aka buga a cikin sunanka, ban sha'awar da baƙi baƙi, password reset emails ga akwatin da ba za ka ba su ba su ba su ba su ba su ba su. Yanayin free kayan aiki: Credit Karma, your bank's monitoring features, IdentityTheft.gov.
Sauke wani folder tare da: screenshots na dukkan al'amuran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran al'amurran. Wannan takardar shaida ne da muhimmanci idan kana bukatar ci gaba da matsaloli, hakkin kudi, ko ci gaba da kudi.
Za ka kasance a cikin wannan hali idan ka karanta wannan guide. The 8 mataki framework a karkashin IS 'ya'yan yin idan shi ya zama' guide. A mataki ayyuka:
Duk da kayan aiki a karkashin ne free. Yi amfani da yawa don mafi kyau tsari.
Ƙararrawa na US Government Fraud Reporting System.
Internet Crime Complaint Center - ga kayayyakin ciniki online.
Free Identity Hurt Recovery Plans da kuma Reporting.
Free kudi alamar da kuma credit freezes.
Free credit monitoring.
Real-time Trust Scores don canza futures scams - free, ba tare da abokin ciniki.
Deeper duba a kan musamman kayayyakin da kayayyakin.
Nudge ya nuna ka wani imani score a kan kowane site ka ziyarci, automatically. No more remembering every red flag. Free Chrome & Firefox extension — protection that shouldn't be behind a paywall.