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It’s surprisingly easy to fall for an online scam even if you’re hyperaware of all the ways bad actors can trick you. Online scammers are playing a numbers game. If they send out their scams to enough people, they’ll find a few people who posses a magic combination: Folks who are distracted by life and also concerned with their online accounts.  

That’s how I almost fell for an online scam. My credit card bill was coming due, but I was busy that month, and paying the bill was just one of many things percolating in the back of my mind. Then I suddenly got an email stating my bank was freezing my account if I didn’t login. “Oh no!” I thought. “I’m late paying my bill.”

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