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This tipsheet gives examples of recent consumer scams. For example, one scam involved advertisements for a credit service that said it would give you a loan or a credit card -- regardless of credit history -- if you send in $50. The tipsheet recommends responding to the advertisement. It says you'll receive a credit card "with a limit of half the amount you place in a collateralized account". As for a loan, "you'll likely pay in advance for a loan you never receive." Other examples involve carpet cleaners and telemarketing.