If you are one of the millions of people with poor or damaged credit, you could fall prey to a popular credit card scam without knowing it. The number of credit card scams out there is growing, but there are five basic scams you need to be aware of before you take any action to repair or maintain your credit. This week, we will detail one scam per day that you should be aware of and also tell you how you can avoid falling into one.

Scam #1 is about secured credit card marketing.

These scams start with an offer for credit that sounds too good to be true. They may tell you that regardless of your past credit history, you can get a large line of credit. It may promise that all you need to do is send in a simple form or call a listed number and you will get your credit card.

Secured credit cards are those that offer you a line of credit based on an amount that you deposit. Basically, if you deposit $500, you have up to $500 in credit. This can help you to rebuild damaged credit over time, as your secured card can be transferred to an unsecured credit card with good payment history.

But too many companies try to take advantage of this idea. You can tell a fraudulent offer by a few details. First, if they require you to call a 900-number that charges you for each phone call, this is probably a scam. Second, if the ad leaves out important information, such as security deposits, monthly fees, high interest rates, or eligibility requirements like income or age, they are probably trying to lure you into applying and paying money you don’t know you have to pay.

To avoid these scams, look for details in the ads you receive and avoid those that leave out important information. Also never dial a 900-number to follow up on an offer. Doing so could cost you a lot of money, even for just a two-minute phone call. If you have any doubt about the offer you receive, contact the Federal Trade Commission. For a list of lawsuits against fraudulent companies, visit Crimes of Persuasion.