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If you’re reading this article and you have a cell phone, I’m sure you’ve gotten at least one robocall in the past year. Okay, maybe more like a hundred. Robocalls are just one example of cyber criminals and scammers trying to collect your personal information. Once they collect enough information, they can possibly steal your identity and make unauthorized purchases in your name. Cyber criminals are always honing their skills, so I am going to touch on three types of scams that are prevalent today.

Many people use credit cards every day. They account for 21% of spending according to research done in 2015 by the Federal Reserve Bank of San Francisco. There are some amazing benefits to using credit cards, but there are also an equal number of unfortunate downsides. We are going to help you sort through the pros and cons of using credit cards. When you have finished reading the article, you will be able to make an informed decision on whether or not a credit card is right for you.

Summer is prime time for automated phone calls and scammers. Be on the look out for these sneaky tricks, and be better prepared to protect your personal information.