That’s bait! How to identify a scam and avoid falling victim

It’s common to think that scams only affect the elderly, but did you know young people are increasingly likely to fall victim to scams? Here’s how to avoid being scammed and what to do if you fall victim.

Scams are common because they look real and catch people off guard.

In 2022 alone, Australians aged between 18 and 24 lost over a whopping $15million in scams related to phishing, false billing, online shopping, identity theft and more.

Scammers take advantage of new technology, new products or services and major events to create believable stories that convince you to give them your money or personal details. 

With scammers finding new ways into tricking young Australians in handing over their money and identity, tips from Scamwatch can help you identify a scam and avoid the headaches.

How to identify a scam

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Scammers trick you into believing you’re getting an incredible deal or offer. They pressure you to act quickly so you don’t miss out. Remember, deals that seem too good to be true, usually are.

Scammers try to use your good nature against you. They tell heartbreaking or tragic stories to convince you to help them and give them money. Always be wary of any appeal for money and never give more money than you are willing to lose if you can't independently confirm that the story is true.

Never automatically click a link or attachment you receive via email or text. Scammers try to catch you off guard and send you to scam websites designed to steal your information and money. Always make sure that the sender is who they say are and that you know what you are opening. It's safest to find the information yourself by browsing to the website or app rather than clicking on a link.

If you see a suspicious email in your RMIT inbox, report it by forwarding it to reportphishing@rmit.edu.au.

If a person asks you to pay with preloaded debit cards, iTunes cards, or virtual currency like Bitcoin, chances are it's a scam. Once this money is spent, you can’t get it back.

If you think you have fallen victim to a scam – don’t panic! You might feel guilty or embarrassed, but remember you are not alone. There are a few important things you should do straight away to limit the damage.

How to protect yourself

Always stop, think and check before you act. Scammers rely on you not spotting these warning signs because you're in a hurry, something looks like a great deal you don't want to miss, or because it seems like it's from someone you trust.

Stop - Don't give money or personal information to anyone if unsure
Think - Ask yourself could the message or call be fake?
Protect - Act quickly if something feels wrong.

Learn the basics of cyber security

There are also measures you can take to protect yourself online. Check out the following recommendations from the Australian Cyber Security Centre:

Find out more

Help! I’ve been scammed…what should I do?

If you have fallen victim to a scam, don’t panic! You might feel embarrassed or ashamed, but remember you are one of many. Scamwatch relies on community reporting to help identify trends in scammer behaviour. If you have been scammed, report to Scamwatch.

If you have lost money, contact your bank or financial institution as soon as possible.

Support and resources for scam victims

If you are an RMIT student and you think you are being scammed, you can reach out to Safer Community for support and advice.

The following community services are also available:

IDCARE: 1800 595 160
Lifeline: 13 11 14
Beyond Blue: 1300 22 4636
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22 August 2023

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That’s bait! How to identify a scam and avoid falling victim