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A "phishing" email lures you into divulging your login credentials — your username and password — through convincing emails and links to web pages.

These phishing emails and fake websites that resemble legitimate credit authorities like Citibank, e Bay, or Pay Pal.

So, being aware of the common scams can help you avoid them.

In the meantime, if an email seems suspicious to you, do not trust it. Being skeptical could save you a lot of money, time, and hassle.

Most of you have received an email from a member of a Nigerian family with wealth.

It's more lucrative to apply the fee to your credit balance and potentially collect interest on it! As for incredible pre-approved loans for half-a-million dollar homes: Use your common sense.

These people do not know you or your credit situation, yet they are willing to offer massive credit limits? Sadly, far too many victims are pressured by financial problems and are susceptible to this con.

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