You ever check your account and see a random $3 charge you don’t remember making? Might seem harmless, but it could be fraud warming up.

In this episode, I talk about why fraudsters often start small, how those "test" charges work, and what you need to know before it turns into something bigger.

If you use debit or credit cards regularly (and who doesn’t?), this one’s for you.

Got a fraud story? Tell me about it: [email protected]