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 Experts say this kind of scam is on the rise. Here’s what you must know to protect yourself. TheVisualsYouNeed / Shutterstock.com

Don’t be like me. Don’t be dumb. I feel like a fool. After years of occasionally writing articles about scams and fraud, I fell for a simple phishing scam on my cellphone. I gave up my debit card information to a scammer — possibly one based in the tiny European nation of Montenegro.

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