Last night I got the text message shown below. It is obviously fraud. They want you to click the link so they can: a) steal your data; b) install malware, ransomware, and/or a virus on your device; or c) sell you something.

How do I know it is fraud: First, I don’t have a Debit card with Chase. Second, none of the financial institutions I deal with send text messages with a 10 digit number. Third, there is a space before the semi-colon. Fourth, I get text messages and notifications every time a charge is made on my card.

How can you protect yourself? Never click on a link in a text message. If you are worried about your account, go directly to the website or log on to their app. Get notified when charges are made on your card. You maybe able to detect fraudulent charges before the financial institution.