Free sex chatting without asking for your credit card

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Not everyone using online dating sites is looking for love. As if all that isn’t bad enough, romance scammers are now involving their victims in online bank fraud.

Scammers create fake online profiles using photos of other people — even stolen pictures of real military personnel. And they tug at your heartstrings with made-up stories about how they need money — for emergencies, hospital bills, or travel. Here’s how it works: The scammers set up dating profiles to meet potential victims.

After they form a “relationship,” they come up with reasons to ask their love interest to set up a new bank account.

Here’s the real deal: Don’t send money to someone you met online — for any reason.

If your online sweetheart asks for money, you can expect it’s a scam.

Here are some warning signs that an online love interest might be a fake.

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This may not sound like much, but frequent late payments can affect your credit rating.You wouldn't keep your cash in five separate bank accounts. Keep one card in your purse - the one with the lowest interest rate - and cut up the others.Use this one card to keep better track of your spending.However, this strategy only works if you're on relatively good terms with your credit card company. For example, say you have a balance of £1,000 a month on a card with a 6.9 per cent interest rate and a £50 annual fee.Unless you're already paying the lowest rate available, think about transferring your balance to a lower-rate card. That's the equivalent of a no-fee card with a 12 per cent interest rate.

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