Fraud of all types is a widespread problem that requires constant vigilance. A January 2012 survey by the UK’s National Fraud Authority found that 9.4% of adults had been a victim of identity theft fraud in the previous 12 months. The U.S. Federal Trade Commission estimates that 9% of fraudulent offers come through the telephone and 29% of fraudulent product purchases are made by phone. You may also initially be approached through advertising, direct mail or the Internet and end up talking to someone on the phone, where they steal your payment or personal information. Common scams in all countries include phony charities and fund raising, credit and loan offers, work-at-home opportunities and fraudsters posing as bank or credit card security representatives. In an elaborate UK telephone card fraud for example, criminals have you call back the phone number on the back of your card and enter your PIN code to cancel your card. But they control the call to get your PIN, and then send a courier to collect the card and deliver you a fake replacement.