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The Hang‑Up‑and‑Redial Scam: Why Scammers Call Twice to Make You Think It’s Urgent

May 21, 2026 By Evan Morgan Leave a Comment

Smartphones
There are many phone scams out there to be wary of – Pexels

Your phone rings from an unfamiliar number, but it stops before you can answer. Seconds later, the same number calls back. Suddenly, it feels less like a random robocall and more like something important you shouldn’t ignore. That feeling is exactly what scammers are counting on with the hang-up-and-redial scam, a manipulative tactic designed to trigger urgency, anxiety, and impulsive decisions before you have time to think clearly.

How the Hang-Up-and-Redial Scam Tricks Your Brain

The hang-up-and-redial scam works because it exploits normal human behavior. When someone calls twice in a short period, many people assume it must be an emergency involving a family member, employer, doctor, or financial account. Scammers understand that repeated calls create emotional pressure, lowering your guard and making you more likely to answer. Cybersecurity experts have repeatedly warned that urgency remains one of the most effective social engineering tactics used in phone fraud. What feels like a coincidence is often a carefully timed psychological strategy.

Why Scammers Want You Feeling Rushed and Distracted

Once you answer the second call, scammers typically move quickly. They may claim your bank account is compromised, a package delivery failed, or your identity has been linked to suspicious activity. The goal is not simply to scare you but to keep you emotionally overwhelmed long enough to bypass your critical thinking. A scammer might demand immediate payment, ask for a verification code, or pressure you into downloading remote-access software. In many real-world fraud cases, victims later report that the caller’s urgency prevented them from pausing to verify the story.

Common Versions of the Hang-Up-and-Redial Scam You Should Know

Not every hang-up-and-redial scam sounds the same, which makes the tactic harder to spot. One common version involves fake bank fraud alerts claiming unauthorized purchases were detected on your account. Another impersonates tech support agents warning that your device has been hacked or infected with malware. Some scammers pretend to be relatives in distress, using emotional stories to request emergency money transfers. Others spoof local numbers so the second call appears more familiar and trustworthy than it really is.

How to Protect Yourself When a Caller Rings Twice

A second phone call does not automatically mean danger or legitimacy. If an unknown number calls repeatedly, let it go to voicemail and listen to the message before responding. Legitimate banks, healthcare offices, and delivery companies usually provide identifying information and multiple ways to verify contact. Instead of calling back the number provided, use the official number listed on your bank card, company website, or account statement. That simple pause can interrupt the entire hang-up-and-redial scam before it gains momentum.

What To Do If You Already Answered the Call

If you picked up the phone, don’t panic. Hang up immediately if the caller asks for passwords, payment apps, one-time verification codes, Social Security numbers, or remote access to your device. Monitor your accounts for unusual activity and change passwords if you shared sensitive information. Many security professionals recommend contacting your bank or service provider directly whenever a suspicious caller references your finances or personal accounts. Taking fast corrective action can significantly reduce the damage from a hang-up-and-redial scam.

The Real Lesson Behind the Double Ring

The hang-up-and-redial scam is effective because it turns ordinary phone behavior into a manufactured emergency. A second call can feel important, but urgency alone should never be treated as proof of legitimacy. In an age of spoofed numbers, AI voice scams, and increasingly convincing fraud attempts, slowing down is one of your strongest defenses. Trust verification, not pressure, when unexpected calls demand immediate action.

Have you ever received a suspicious double call that made you feel anxious or rushed? Share your experience in the comments and let other readers know how you handled it.

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Evan Morgan
Evan Morgan has been a full-time freelance writer and editor for 10+ years. When not working, he enjoys catching the latest true crime documentary or getting lost in a good book.

Filed Under: finances Tagged With: consumer safety, cybersecurity, digital security, fraud awareness, hang-up-and-redial scam, identity theft, personal finance safety, phone scams, scam calls, scam prevention

How to Choose Between a Credit Lock and Freeze to Secure Your Identity

January 9, 2025 By Teri Monroe Leave a Comment

Credit Freeze vs. Credit Lock to Protect Your Identity
Image Source: 123RF.com

Both a credit lock and credit freeze can protect your credit report from being used for opening a new account or applying for a loan. If you’ve been victimized by identity theft, both are smart options. However, a credit lock vs. a credit freeze differ in their implementation. So, which one is right for you?

What Is a Credit Freeze?

A credit freeze is a free service guaranteed by law. When you initiate a credit freeze, most of your credit report will be limited. Lenders can’t evaluate your credit report until you lift or thaw the freeze. However, your credit report can still be viewed by companies responding to non-credit applications, your current creditors, debt collectors, and government entities. You can also still view your report if it’s frozen.

You can lift the credit freeze permanently or for a set amount of time if you are applying for a loan or a credit card. This can be as short as a day or a week, whatever you choose. However, with a credit freeze, you’ll have to lift it with each credit bureau individually. All bureaus handle lifting a freeze differently, so follow the appropriate steps for each one.

What Is a Credit Lock?

A credit lock is almost the same as a credit freeze but provides extra features and protections. Additionally, it can also come with a fee. You can initiate a credit lock with Experian, TransUnion, and Equifax:

  • Experian CreditLock is available for $24.99 per month
  • Equifax provides credit locks free to consumers through Lock & Alert
  • TransUnion includes credit file locking for both your TransUnion and Equifax credit files for $29.95 per month

Some features of credit locks include notifications when anyone requests access to your locked credit report, alerts when your information appears on the dark web, identity theft insurance, and fraud resolution. Of course, each bureau offers different services but these additional features can offer you further protections.

How Do I Initiate a Credit Freeze vs. a Credit Lock?

Initiating a Credit Freeze vs. Credit Lock
Image Source: Pexels

Initiating a credit freeze or a credit lock online can be as simple as a toggle on or off feature. You must sign up with each credit bureau to do so. You can also call each credit bureau or request a freeze or lock by mail. If so, you will need some accompanying identifying documents and information such as a recent utility bill, social security number, all your addresses in the last two years, your date of birth, and a government-issued ID.

When to Use a Credit Freeze vs. Credit Lock

If you suspect that you’ve been a victim of identity theft or your information has been compromised, both a credit freeze and credit lock are good options. However, a credit freeze is probably more appropriate if you don’t need additional features or don’t want to pay for a subscription. A credit freeze is also your only option if you are freezing the credit report of a minor. On the other hand, a credit lock can provide you additional protections and alerts. This can make dealing with the aftermath of identity theft more manageable.

Read More

  • Here’s How to Get The Cheapest Price for a Tesla
  • 9 Scams That Millennials Are Falling Victim To
Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: credit freeze, credit lock, identity theft

9 Scams That Millennials Are Falling Victim To

January 7, 2025 By Teri Monroe Leave a Comment

Scams millennials fall for
Image Source: Pexels

According to GoBankingRate, Millennials are falling for scams at a higher rate than other generations. In their survey 35% of millennials have fallen victim to phone scams, whereas only 25% of Gen Xers reported the same. The reason for many millennials falling victim to scams is that they have grown up online and tend to put their trust in digital spaces and they believe in their ability to spot a scam too much. Here are nine common scams that millennials are falling for.

1. AI-Powered Voice Cloning Scams

AI scams
Image Source: Pexels

The FBI recently posted a public service announcement listing some of the ways that criminals use generative AI to trick victims. One common scam is using voice cloning to mimic friends and family, politicians, government agencies, or businesses. The FTC’s 2023 Consumer Sentinel Network Data Book found that about 20% of people targeted by an imposter scam lost money, and the median loss was $800 and government scams led to median losses of over $14,000. If you receive a random call, make sure to validate it before giving out personal information or sending any funds.

2. Romance Scams

Romance scams aren’t just happening on dating apps like Hinge. Scammers are getting more creative and millennials are falling for the scams. You may get an accidental text that says, “Sorry I’m running late. Be there in 10 minutes.” Scammers use these accidental texts to start up a conversation and plant the seeds for a romance scam. You may even be talking to a bot that can send thousands of these messages at a time.

3. Employment Scams

Employment scams millennials are falling for
Image Source: Pexels

If a job is too good to be true it probably is a scam. Millennials are falling for employment scams that have detrimental consequences. Some scammers play the long game and set up interviews, while others advertise easy ways to make money through tasks. Some will steal your personal information and others will pay you a large sum of money upfront and ask you to send a small amount back, stealing your account information.

4. Event Ticket Scams

Beware of purchasing tickets on unverified sites or on social media. Millennials are also falling for scams on established sites like Ticketmaster. However, Ticketmaster will do their best to make it right if you buy tickets that disappear from your account or are fake.

5. Celebrity Endorsement Scams

Thanks to AI, there are many products that claim to be celebrity endorsed but are not. This endorsement might prompt you to buy a product or make an investment that’s a scam. The videos and images produced are deepfakes and can be hard to spot. Do your research before getting caught up in these scams.

6. Text Scams

Most scams start with a text message. Bad actors pose as the post office trying to deliver a package, your bank texting you about suspicious activity, or a credit card company trying to approve a charge. If you receive a random text about a package delivery, don’t click the link in the text. Even if the website that the link goes to looks like your bank’s or USPS, it’s probably a scam to get your information.

7. Crypto Currency Investment Scams

Cryptocurrency scams have skyrocketed as crypto has gained popularity. Scams usually involve fake prizes, contests, giveaways, or early investment opportunities. Bad actors may hack friends’ and family’s social media accounts and send you information about a great crypto investment opportunity.

8. Marketplace Scams

Always read seller’s reviews before making a purchase online and buy on trusted marketplaces that will protect your money. Millennials are falling for scams online where they buy an item online from a fake website or social media like TikTok and then the seller’s profile disappears and they never receive the item or their credit card information is stolen. Not every site online is trustworthy or protects your information. If you are a victim of a scam and you use your credit card, make sure to start a chargeback.

9. Refund Phishing Scams

A new way that scammers are profiting from stolen credit cards is by making a fraudulent purchase from a fake website. The charge will have the website name and email or phone number so when the credit card holder calls or emails to dispute the charge, the scammer will get more personal information.

Scams Affecting Millennials

Just because millennials are in some cases more technologically savvy, doesn’t mean that they aren’t falling for scams especially online. Scammers are getting more sophisticated every day so don’t think that you are immune. If you are the victim of a scam, be sure to report it to local authorities, the FTC, and contact your bank or credit card company.

Read More

  • 10 Simple Habits That Can Help You Become Debt Free in One Year
  • These Are The 5 Poorest Zip Codes In Texas and 5 Of the Richest
Teri Monroe Headshot
Teri Monroe

Teri Monroe started her career in communications working for local government and nonprofits. Today, she is a freelance finance and lifestyle writer and small business owner. In her spare time, she loves golfing with her husband, taking her dog Milo on long walks, and playing pickleball with friends.

Filed Under: General Finance Tagged With: AI scams, identity theft, millennial scams

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