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Anatomy Of A ScamHow to recognize a fraudulent sales pitch before it costs you.

ByCarolyn Campbell

Opinions expressed by Entrepreneur contributors are their own.

How to recognize a fraudulent sales pitch before it costsyou.

As she picked up her home-office phone in Naperville, Illinois,Barbara Brabec's first impression was that the man's voiceon the other end held sincere concern. He claimed to be callingfrom Visa International, then said, "I'll bet youdon't know that if you give your credit-card number out overthe Internet, you can't get your money back after 24hours." This sounded like news to Brabec, who listened furtheras the man described a type of credit-card insurance he was willingto sell her for $3 per quarter or $12 per year. When he asked forher credit-card number, Brabec's intuitive credibility alarmkicked in. "I don't know you," she told him. "Ineed to check out your business further." The man gave her atoll-free number to call back--but told her she could only call atcertain times."When I asked about the times, he said he had tofree up the computer to get my file online."

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