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These scammers always play the “urgency” card, so don’t give in!

To help out fellow Skype users, we’ve listed down the things that you should watch our for to keep your Skype safety checked: Always think twice before clicking a link.

You must know that everything in Skype is visible to the online public, so take the necessary steps in protecting your privacy.

There are a lot of anti-spam and anti-virus software available, but the best preventive measure from not being an online victim is to be vigilant.

The app is ad-supported, but since it's free, I can live with that.

You can learn more about the algorithm on their webpage, or check out the Null Byte guide on how credit card algorithms work.

A fake number will work for sites that store credit card information to either charge you later or ask you to upgrade.

For sites that ask for an upfront fee or have an automatic charge sometime down the line (Hulu Plus, Netflix, Spotify), this won't work since they ask for more than just a credit card number for validation.

If a child under age 13 is being mailed these offers, it could be a sign that identity theft has occurred, so you should immediately contact the credit-reporting bureaus listed below.

Experian Consumer Services will also remove your name from non-credit offers—coupons, flyers and catalogues—that result from its lists.

When I see the words "free trial," I know I'm probably going to have to whip out my credit card and enter in the number to "not get charged." Then I end up forgetting about the trial and want to kick myself in the ass when I see my statement at the end of the month. For that to work, you would need a valid expiration date and CVV or CSV number.

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