This is another category that can include a va of scams . It can include overcharging you for you legitimately purchased as well as unauth credit card charges . Remember that as a consu you have more legal protections when using a credit card than a debit card . Also , review you credit card statements each month to ensure t they ’ re accurate , and contact your credit card issuer immediately if you think you ’ ve been overcharged or if an unauthorized charge app on your statement .