THE SHORT VERSION
No real business or government agency will ask you to pay with a gift card. If you already did, contact the gift card company right away and report it at ReportFraud.ftc.gov.
A familiar situation
Imagine a caller says a bill is overdue and service will be cut off today unless you pay with gift cards from a nearby store. The deadline feels real. The payment method is the warning sign.
1. Know the rule
The FTC is direct: a request to pay with a gift card, or to share a card’s number and PIN, is a scam. Callers may pose as a government agency, tech support, a utility, a prize sponsor, a romantic interest or a family member in trouble.
2. If you paid, contact the card company now
Report it to the company that issued the gift card right away, however long ago it happened. Ask whether the money is still on the card and whether they can refund it. Some companies can freeze the funds.
3. Keep the card and receipt, then report
You’ll need the card number and the store receipt for your reports. Report the scam to the FTC at ReportFraud.ftc.gov.
One thing to try today
Say the rule out loud with someone you care about: “Anyone who asks me to pay with a gift card is a scammer.” It helps to have the words ready.
Read more from trusted sources
General educational guidance. If you believe someone has stolen your information or money, use the official recovery guidance at IdentityTheft.gov or ReportFraud.ftc.gov.
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Share the guide or copy its short takeaway for your own post.
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