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Q1. $250 lands in your Apple Cash from a number you don’t know. A minute later: "So sorry, I sent that to the wrong person. Could you send it back? It’s my rent money." What do you do?
A) Send it straight back. It’s the honest thing to do.
B) Send it back, but as a gift card like they ask.
C) Don’t send anything. Reject or leave the payment, and contact Apple Cash support.
D) Spend it. Their mistake, not yours.
Correct answer: C) Don’t send anything. Reject or leave the payment, and contact Apple Cash support.
Why: The payment could be part of a scam involving stolen funds. Sending the money back yourself could leave you out of pocket if the original payment is reversed. Let Apple Cash support handle it.
Q2. A recruiter messages you about a well-paid remote job. They want to move the chat to Telegram and ask for $80 for a "background check" before your interview. What’s your move?
A) Pay it. Background checks are normal.
B) Find the job on the company’s own careers page, and stop replying to the recruiter.
C) Move to Telegram, but refuse to pay.
D) Send a photo of your ID instead of the fee.
Correct answer: B) Find the job on the company’s own careers page, and stop replying to the recruiter.
Why: Asking for an upfront fee before an interview is a major red flag. Scammers often use fake job offers to steal money or personal information. Verify the vacancy through the company’s official website before proceeding.
Q1 · A caller says they're a Medicare enrollment helper. They know your name and address, and can get you a cheaper plan with a free walker thrown in. They just need you to read out your Medicare number to "verify" you. What do you do?
A) Read it out — they already know your name and address, so they must be legitimate
B) Give them only the last four digits to be safe
C) Hang up, then make any plan changes yourself through Medicare.gov or 1-800-MEDICARE
D) Pay the small sign-up fee they mention so the free gift ships faster
Correct answer: C) Hang up, then make any plan changes yourself through Medicare.gov or 1-800-MEDICARE
Why: Scammers may pose as Medicare helpers to steal your Medicare number. Contact Medicare directly to verify offers and make plan changes.
Q2 · A caller warns that your bank account has been hacked. They tell you to call the number on the back of your bank card — but they don't hang up, and say they'll "transfer" you to a secure line. What should you do?
A) Stay on the line — they're connecting you to the bank's official number, so it's safe
B) End the call completely, then ring the number on your card from a different phone
C) Move your savings to the "safe account" they suggest while the bank investigates
D) Read them the one-time code your bank just texted you so they can lock the account
Correct answer: B) End the call completely, then ring the number on your card from a different phone
Why: Scammers can keep a phone line connected while pretending to transfer you to your bank. Hang up completely and never share verification codes or move money to a “safe account.”
Q1 · A site has a ScamAdviser trust score of 78 out of 100. You're about to buy something. Does that score mean it's safe?
A) Yes — anything above 70 is trustworthy
B) Not necessarily — a higher score means lower risk indicators, but you should still check reviews, contact details, and return policies before paying
C) Yes — ScamAdviser guarantees sites with scores above 50
D) Only if the site also has a padlock in the address bar
Correct answer: B) Not necessarily — a higher score means lower risk indicators, but you should still check reviews, contact details, and return policies before paying
Why: A ScamAdviser Trust Score is an indicator of risk, not a guarantee that a website is safe. A higher score is generally a positive sign, but other factors should still be checked before making a purchase.
Q2 · You receive a cheque in the post from "State Farm" saying you're owed a dividend payment. It looks official and comes with a letter explaining the amount. What should you do before cashing it?
A) Cash it straight away — cheques in the post are always legitimate
B) Call State Farm directly using the number on their official website — not any number printed on the letter — to verify the payment
C) Deposit it and wait to see if it clears
D) Sign and return the enclosed form first to confirm receipt
Correct answer: B) Call State Farm directly using the number on their official website — not any number printed on the letter — to verify the payment
Why: Fake cheque scams often use convincing letters and real company names. Contacting the company through independently verified contact details helps confirm whether the payment is genuine before you deposit or cash the cheque.
Q1 · You find a site offering the iPhone 18 Pro at 30% off retail with "limited pre-order slots." The site looks professional, has reviews, and accepts Apple Pay. What should you check before paying?
A) Whether the discount is bigger than what Apple normally offers
B) The domain age and whether the site appears on ScamAdviser, new domains registered around a product launch are a major red flag
C) Whether the page loads quickly
D) Whether it has a padlock in the address bar
Correct answer: B) The domain age and whether the site appears on ScamAdviser. A newly registered domain around a major product launch can be a major red flag.
Why: A professional looking website, reviews, Apple Pay, and a big discount do not automatically make a store legitimate. Checking when the domain was registered and whether it has a ScamAdviser profile can help you spot warning signs before paying.
Q2 · Your bank calls to say your account has been compromised. They say the safest move is to transfer your funds to a "secure holding account" they have set up for you while they investigate. What is actually happening?
A) A standard fraud protection procedure all banks follow
B) An Authorised Push Payment scam — the "secure account" belongs to the scammer, not your bank
C) A temporary freeze while your bank verifies your identity
D) A legitimate request if the caller ID shows your bank's number
Correct answer: B) An Authorised Push Payment (APP) scam where the “secure holding account” actually belongs to the scammer
Why: Your bank will not ask you to move your money to another account to keep it safe. Scammers often impersonate bank staff and use urgent warnings about compromised accounts to pressure you into transferring your money. Even if the caller ID looks genuine, verify the request by contacting your bank through an official channel.
Q1 · You get a WhatsApp message from an unknown number: "Hi, sorry to bother you — I think I have the wrong number, but since we're talking, I work in crypto investments and have a great opportunity if you're interested." What is this?
A) A genuine cold outreach from a financial advisor
B) A "wrong number" scam designed to open a conversation and steer it toward a fake investment platform
C) Spam that will stop if you ignore it
D) A test from your phone provider
Correct answer: B) A “wrong number” scam designed to open a conversation and steer it toward a fake investment platform
Why: Scammers often pretend they have contacted the wrong person to start a harmless-looking conversation. Once you respond, they may build trust and eventually introduce a supposedly lucrative crypto investment opportunity, often directing you to a fake platform designed to steal your money or personal information.
Q2 · You find a well-written job posting on Indeed for a remote data entry role at a recognisable company name. The pay is above average, the description is detailed, and they ask you to apply via WhatsApp instead of the site. What does that signal?
A) The company prefers a faster hiring process
B) A strong sign the posting is fake — legitimate employers do not route job applications through personal messaging apps
C) A sign the role is highly competitive and they want quick responders
D) Normal for remote-first companies
Correct answer: B) A strong sign the posting is fake — legitimate employers do not route job applications through personal messaging apps
Why: Moving the conversation from a legitimate job platform to WhatsApp is a major red flag, especially when combined with unusually high pay. Scammers use recognizable company names and convincing job descriptions to make fake vacancies look legitimate, then use WhatsApp to request personal information, payments, or other sensitive details.
Q1 · You are about to check in for a flight and get a text: "Your booking requires urgent confirmation. Click here or your seat will be released in 30 minutes." The link leads to a page that looks exactly like the airline's site. What do you do?
A) Click and confirm — you cannot afford to lose your seat
B) Do not click — open the airline's official app or website separately and check your booking there
C) Reply to the text asking for more details
D) Forward the link to someone else to check
Correct Answer: B) Do not click, open the airline's official app or website separately and check your booking there.
Why: The message uses urgency and fear of losing your seat to pressure you into clicking. Even if the website looks identical to the airline's real site, it could be a phishing page designed to steal your login, payment details, or personal information. The safest move is to access the airline through its official app or a website you type in yourself and check whether there is actually a problem.
Q2 · Someone you met online two months ago has been warm, attentive, and consistent. They now mention a "once in a lifetime" crypto investment and offer to walk you through it personally. What is the clearest red flag here?
A) They met you online rather than in person
B) Building trust over weeks then steering the relationship toward a financial opportunity is the exact playbook of a romance investment scam
C) They are talking about crypto, which is inherently risky
D) They offered to help you personally rather than sending a link
Correct Answer: B) Building trust over weeks then steering the relationship toward a financial opportunity is the exact playbook of a romance investment scam.
Why: Romance investment scams often start with weeks or months of attention and emotional bonding before the scammer introduces an investment opportunity. The "once in a lifetime" pitch and personal guidance are designed to make the victim trust the investment rather than question it.
Q1 · You get a WhatsApp message from an unknown number: "Hey! We met at Sarah's last summer — hosting a rooftop thing this Saturday, hope you can make it!" with a link to "confirm your spot." You vaguely remember a Sarah. What do you do?
A) Click the link — it sounds like someone you might know
B) Do not click; ask the sender to confirm who they are before touching any link
C) Click just to see what the page looks like, then close it
D) Reply "Who is this?" and wait
Correct Answer: B) Do not click; ask the sender to confirm who they are before touching any link.
Why: This is a classic example of a "wrong number" or social engineering scam. The scammer tries to sound familiar ("Sarah's last summer") so you'll lower your guard and click the link.
Q2 · A friend tells you they use a VPN so they never land on scam websites. What is wrong with that assumption?
A) Nothing — VPNs block all malicious traffic
B) VPNs hide your IP and encrypt traffic but do not block phishing pages or fake stores — you can still land on and be fooled by scam sites
C) VPNs only work on desktop, not mobile
D) VPNs slow your connection too much to be useful for browsing
Correct Answer: B) VPNs hide your IP and encrypt traffic but do not block phishing pages or fake stores — you can still land on and be fooled by scam sites.
Why: A VPN's main job is to encrypt your internet traffic and hide your IP address, making it harder for others to monitor your online activity. However, it doesn't determine whether a website is legitimate. If you click a phishing link or visit a fake online store, a VPN won't stop you from seeing the site or prevent you from entering your personal information.
Q1.你接到一个来自银行确切电话号码的电话。来电者知道你的姓名和银行卡的最后 4 位数字，并说你的账户有可疑活动。他们要求您确认完整的卡号，以 "冻结交易"。你该怎么办？
A）确认卡号--他们已经知道很多了
B) 挂断电话，然后用卡背面的号码给银行回电话
C)让他们用电子邮件把详细信息发给你
D) 只提供前 4 位数字，以测试其是否真实
答案：AB)挂断电话，然后使用银行卡背面的号码给银行回电话。
原因：电话号码可以被伪造，而且骗子往往已经从数据泄露中获得了部分信息。真正的银行绝不会在突然打来的电话中强迫你透露完整的银行卡号。请务必亲自拨打官方号码进行核实。
Q2.您登陆了一个网站，出现了一个验证码框，要求您按 Windows 键 + R，粘贴一个代码，然后按回车键 "验证您是人类"。这看起来像是正常的安全检查。这是怎么回事？
A) 针对键盘用户的合法辅助功能
B) 一个假冒的验证码，目的是在你的设备上运行恶意软件--立即关闭页面
C)标准的 Windows 安全更新提示
D) 浏览器兼容性检查 - 安全继续
答案：BB)在您的设备上运行恶意软件的虚假验证码--立即关闭页面。
原因：真正的验证码测试绝不会要求您打开 "运行 "命令或在计算机中粘贴代码。这种伎俩被用来安装恶意软件、窃取密码或让骗子远程访问您的设备。如果网站要求你运行命令，请立即关闭。
Q1.你接到一个自称是治安官的电话。他们说你错过了陪审员的义务，并且已经对你发出了逮捕令--除非你立即通过礼品卡支付 500 美元的罚款才能解除逮捕令。你该怎么办？
A) 交罚款--你不想被逮捕
B）询问他们的警徽号码和部门，然后挂断电话，用官方号码直接给法院打电话
C)要求他们先通过电子邮件发送逮捕令
D) 先付一半，剩下的以后再谈
答案：AB)询问他们的详细情况，挂断电话，然后使用官方号码直接致电法院。
原因：真正的执法部门不会要求立即付款，更不会通过礼品卡付款。紧急+不寻常的付款方式=骗局。
Q2 - iPhone 上出现一个弹出窗口："苹果安全漏洞 - 您的 Apple ID 已泄露。请立即致电苹果支持中心：1-800-XXXX-XXXX"。徽标看起来是真的，号码看起来也是官方的。正确的做法是什么？
A) 立即拨打弹出窗口中的电话号码
B) 关闭弹出窗口，直接访问 apple.com/support，并只使用 Apple 官方联系电话
C)重新启动手机，如果弹出窗口再次出现，拨打该号码
D) 截屏并发送给该号码进行验证
答案：AB)关闭弹出窗口，直接进入苹果官方支持页面。
原因：正规公司不会使用随机弹出的电话号码。这些提醒旨在催促你给骗子打电话。
Q1 - 笔记本电脑上响起警报声，并出现一个全屏弹出窗口："已检测到严重病毒--立即致电微软支持：1-800-XXXX-XXXX"。您的屏幕被冻结。您该怎么办？
A) 立即拨打该号码--它看起来像是官方号码
B) 使用任务管理器强制关闭浏览器或强制退出，然后运行真正的杀毒软件
C)点击弹出窗口上的 "X "按钮关闭窗口
D) 支付显示的费用--可能是真正的续订费用
答案：AB) 强制关闭浏览器（任务管理器/强制退出），然后运行真正的杀毒软件。
原因：该弹出窗口是典型的恐吓软件--点击任何内容或拨打电话都只会让你陷入更深的骗局。
问题 2 - 您收到一条来自 "宾夕法尼亚州交通局 "的短信，称您的驾驶执照将在 24 小时内被吊销，除非您通过一个链接支付拖欠的罚款。链接看起来是官方的。最大的风险是什么？
A) 政府机构从来不会通过短信与您联系并提供付款链接
B) 罚款金额似乎太小
C)来自未知号码
D) 信息没有拼写错误
答案：A答：政府机构不会通过链接发送要求紧急付款的短信。
原因：这种紧迫性和付款链接组合才是真正的陷阱，而不是拼写或格式。
您会及时挂断电话吗？
4 个真实的诈骗场景。阅读每一个并选择你的答案--然后点击按钮看看你做得如何。
Q1 - 来电者称他们来自移民局，您的签证有紧急问题。他们要求您立即提供护照号码，以免被驱逐出境。最可疑的迹象是什么？
A) 他们提到了递解出境
B）冷冰冰的电话 + 当场立即要求提供个人信息
C)他们知道你的名字
D) 他们有一个听起来很官方的部门名称
答案：AB) 打冷电话 + 当场立即要求提供个人信息
原因： 合法的政府机构不会冷冰冰地打电话给你，并立即要求你提供敏感信息。紧急+要求是最大的红旗。
问题 2 - 来电者的声音听起来有点像机器人，但非常正式。他们给了你一个徽章号码，说你可以在线验证。你该怎么办？
A) 查找他们提供的证件号码
B) 挂断电话，然后从该机构的网站上拨打其官方号码
C)请他们发送电子邮件
D) 询问他们的主管
答案：AB) 挂断电话并从网站上拨打该机构的官方号码
原因： 骗子会提供假的徽章号码和假的验证网站。唯一安全的做法是使用官方联系方式独立联系该机构。
问题 3 - 一名 "海关官员 "说您名下的包裹被截获，里面有非法物品。他们需要一笔手续费来为您洗清罪名。这是
A) 合法的海关程序
B) 包裹拦截骗局--根本没有包裹
C)税务合规问题
D) 快递改道费
答案： B) 包裹拦截骗局--没有包裹B) 包裹拦截骗局--没有包裹
原因： 这是一种典型的恐吓策略。根本没有包裹--只是一个故事，目的是迫使您支付 "费用 "来解决一个根本不存在的问题。
问题 4 - 来电者警告您不要将调查情况告诉任何人，否则您会被逮捕。这种策略的目的是
A) 保护您的合法权利
B) 隔离你，这样就没有人可以警告你这是一个骗局
C)遵守数据保护法
D) 安全验证你的身份
答案：BB) 隔离你，这样就没有人能提醒你这是一个骗局
原因：保密是一个巨大的红旗。骗子想切断你与朋友或家人的联系，因为他们可能会帮你意识到发生了什么。
如需了解更多信息，请访问Scam Univeristy。
