{"id":88190,"date":"2024-07-18T15:35:08","date_gmt":"2024-07-18T19:35:08","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=88190"},"modified":"2024-07-18T15:35:36","modified_gmt":"2024-07-18T19:35:36","slug":"how-a-it-wont-happen-to-me-mindset-plays-into-the-hands-of-fraudsters","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/how-a-it-wont-happen-to-me-mindset-plays-into-the-hands-of-fraudsters\/","title":{"rendered":"How a \u201cIt won\u2019t happen to me\u201d mindset plays into the hands of fraudsters"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/cyber-crime\/\">\n\t\t\t\t\t\t\t<span>Cyber Crime<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How a \u201cIt won\u2019t happen to me\u201d mindset plays into the hands of fraudsters<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Royal Bank of Canada<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Confused man with phone in his hand\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg 6048w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg?resize=768,511 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg?resize=1024,681 1024w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg?resize=1536,1022 1536w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/07\/shutterstock_2183402255.jpg?resize=2048,1363 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How a \u201cIt won\u2019t happen to me\u201d mindset plays into the hands of fraudsters &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/how-a-it-wont-happen-to-me-mindset-plays-into-the-hands-of-fraudsters\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/how-a-it-wont-happen-to-me-mindset-plays-into-the-hands-of-fraudsters\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 18, 2024 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>When reading about online scams, it\u2019s easy to think you\u2019d never fall for something so clearly fraudulent. But cyber criminals are clever and use proven tactics to con individuals out of money and information. \u201c<em>It won\u2019t happen to me<\/em>\u201d is exactly what fraudsters want you to believe.<\/p>\n\n\n\n<p>There are countless stories of fraud in the media these days. More and more often, individuals are coming forward to share their stories of how they were scammed out of significant amounts of money \u2013 sometimes their life savings. When watching or reading these reports, a natural response is to wonder how someone could believe the story woven by the person on the other end of the phone, email or text line, and hand over hundreds or thousands of dollars.&nbsp;<\/p>\n\n\n\n<p>The reality is, however, that scammers are experts in their craft and use techniques they know will work. And scammers don\u2019t discriminate by age, education or occupation \u2013 people of any demographic, income level, technical ability and life experience could be a victim of fraud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Common tactics scammers use to trick their victims<\/h2>\n\n\n\n<p>Everyone has vulnerabilities. At any given time, you may be low on sleep, stressed about work, trying to keep up with young kids, going through a relationship breakdown or dealing with some financial hardship. When fraudsters reach you when your guards are down, it can be easy to fall for a scam. Here are some of the ways they play on your vulnerabilities.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Creating a sense of urgency<\/h3>\n\n\n\n<p>It is very common for a scammer to create a sense of urgency, making you \u201cact now\u201d in order to protect an account, claim a prize or take advantage of an investment opportunity. This urgency is meant to create a sense of panic, which undermines the ability to think clearly and rationally. By making victims rush into action, fraudsters aren\u2019t giving them the chance to stop and think whether what they\u2019re doing makes sense.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Using scare tactics<\/h3>\n\n\n\n<p>Another common way scammers can create a sense of panic is to use scare tactics. They may say something like, \u201cyou will be arrested \u2013 the police are on their way\u201d or \u201cyou will be deported\u201d if you don\u2019t do what they tell you to do immediately. While you may think you wouldn\u2019t respond to such a tactic, when faced with someone telling you you\u2019ll be sent to jail, you may act without thinking the situation through.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Insisting on secrecy<\/h3>\n\n\n\n<p>So why doesn\u2019t the target of a scam ask a friend or family member for their thoughts on the situation before withdrawing money or giving their credit card details? In many instances, a fraudster convinces them that the matter has to be kept a secret \u2013 otherwise there will be serious consequences.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Preying on emotions<\/h3>\n\n\n\n<p>The Grandparent Scam has been one of the most common scams of recent years. In the scam, a fraudster poses as a loved one, typically a grandchild, who claims to be hurt or in trouble and in need of money immediately.\u00a0\u00a0Most grandparents would do anything possible to help a grandchild in need, and fraudsters know this. They exploit the emotions and need to protect a family member to the point that the grandparent does not stop to question the situation. In this scam, urgency and secrecy also play a role which contribute to its ongoing \u201csuccess.\u201d<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Creating believability<\/h3>\n\n\n\n<p>In many instances, a scammer will have more than an email address or phone number before they reach out.&nbsp;&nbsp;Scammers are known to be meticulous in building profiles and gathering information on a target such as their name, address, family members, financial institution, employment status and more. So, when they call and have all this personal information on hand, it\u2019s easy to believe they are calling from a legitimate institution such as a bank or government.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to outsmart a scammer<\/h2>\n\n\n\n<p>While scammers and their tactics are clever and effective, there are ways to outsmart them. For one, understanding what the methods are can help you spot and avoid scams \u2013 for instance, recognizing that urgency, secrecy and scare tactics are common tricks, you may be better prepared to recognize scams for what they are.&nbsp;&nbsp;<\/p>\n\n\n\n<p>When in doubt, consider these important steps:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list default is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Take a step back. Take 6 seconds and think about whether the situation seems legitimate and logical.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Ask for a second opinion. Despite any insistence on secrecy, connect with someone you trust to see if the scenario feels off.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t answer the phone if you don\u2019t recognize the number. This is one simple yet effective way of avoiding a fraudulent situation entirely.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Don\u2019t give personal information or money to someone you haven\u2019t met. Even if they call claiming to be from a legitimate company, if they\u2019re calling you, it\u2019s likely a scam.\u00a0<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Never make a payment in the form of crypto currency or gift cards. No legitimate organization would ever ask for payment in this way.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Remember, if targeted in the right way at the right time anyone can be a victim of fraud \u2013 regardless of their education, employment, or age.&nbsp;&nbsp;So, believing that victims are gullible, na\u00efve or uneducated can be a misconception that could cost you. Being aware, following these tips, and reporting any fraudulent activity you witness can help protect you and others around you.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-4e79bb11-8370-4aed-ba23-fc89b18265d5\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How a \u201cIt won\u2019t happen to me\u201d mindset plays into the hands of fraudsters &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/how-a-it-wont-happen-to-me-mindset-plays-into-the-hands-of-fraudsters\/\">\n  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 \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-7efda6bb-2bdb-4128-801e-4915e26e4deb\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/cyber-crime\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Cyber Crime<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/cyber-security\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Cyber Security<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/cyber-tips\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Cyber Tips<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/family\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Family<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/travel-tips\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Travel Tips<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div class=\"related-posts-type-2\">\n\t\t\t\t<div class=\"related-post-list\">\n\t\t\t\t\t<ul class=\"grid-wpr eh-wpr\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/Tax-Scams-Article-Image-2.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Young woman looking at a computer.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/Tax-Scams-Article-Image-2.jpg 1000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/Tax-Scams-Article-Image-2.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/04\/Tax-Scams-Article-Image-2.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy primary-link\" 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href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/\">\n\t\t\t\t\t\tUnderstanding Cyber Safety\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/money-academy\/cyber-security\/understanding-cyber-security\/tax-tips-how-taxpayers-can-protect-their-data-this-season\/\" class=\"card-title h4 mar-t-0\">Tax Tips: How Taxpayers can Protect their Data this Season<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li class= 'grid-one-third grid-tb-full grid-mob-full mar-b'>\n\t\t\t\t\t\t\t\t\t\t<article class=\"col-wpr mar-b-0 mar-r-0 mar-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"postcard-img-ctr post-card-image col-md-12 col-xs-6 mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?quality=80&amp;w=1000\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Three colleagues looking at a computer.\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg 1000w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2026\/03\/Digital-Safety-Scams-Business-Article-Image.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"card-details mob-mar-b-0 mob-mar-t-0 pad-r-0 col-md-12 col-xs-6\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"primary-taxonomy 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