Scams are getting harder to spot. Smart people of all ages are getting scammed.

The best defense is knowing the top scams happening now. Chase Bank has published a guide on how to spot fraud and scams.

Here’s a quick summary of red flags.

• For sale, hot deal. Scammers post on social media marketplaces pretending to have great deals. You pay and the item never arrives. Once you send money, you may not get it back.
• Hire us, special offer. Scammers advertise deep discounts on services like house repairs and cleaners using social media. You pay, they never show. Research the company and only hire licensed contractors before you book.
• Bank impersonation. Scammers text, email, or call pretending to be from your bank saying there’s an issue with your card, tricking you into sharing account information. If you’re not 100% sure it’s your bank, hang up and call the number on the back of your card.
• Pay a fine, or else. Scammers imitate government institutions like the police or IRS to induce fear and urgency, threatening you to pay a fine to avoid being arrested. Contact the institution directly yourself before you pay anything.
• Cute puppies for sale. Scammers advertise adorable pets and ask for a deposit. You pay and the pet never existed.
• Don’t send your personal information or payment without seeing the pet in-person first.
• Problems with your order. Scammers act as reps from companies you trust, getting you to send money to resolve an “issue” that doesn’t exist. Be suspicious of companies reaching out, saying there’s a problem. Call the company directly to confirm.
• A loan you didn’t apply for. After stealing an identity, scammers take out loans, rent apartments, and even empty bank accounts.

Learn more in the guide “how to spot fraud and scams.”