You’re probably familiar with phishing emails, where a scammer claims to be from your bank, a government agency, or a business and tries to trick you into giving them personal information. Well, the same type of fraudulent activity also happens via text.
The message may ask you to click a link and visit a website to “unlock” or “verify” your account. Don’t do it! The scammers could be after your password, account number, or Social Security number. Other strategies scammers use to “rope you in” include a promise of free prizes, gift cards, or coupons; an offer of a no-interest or low-interest credit card; or a promise to help you pay off your student loans.
Scammers may also send texts with messages like this:
– They’ve noticed some suspicious activity on your account.
– There’s a problem with your payment information.
– Here’s an invoice and contact us if you didn’t authorize the purchase.
If you get a text of this kind, don’t click on any links and delete it immediately. In addition to staying vigilant about text phishing, there are ways you can filter unwanted texts or stop them before they reach you. For example, your phone may have an option to filter and block messages from unknown senders or spam. There are also call-blocking apps that let you block unwanted text messages.