Gift card scams exploit fear and urgency to trick victims into handing over their money. Scammers pose as government officials, utility companies, or even tech support agents, claiming that you owe a fine or bill that must be paid immediately. To create a sense of panic, they warn of dire consequences—such as legal action or service disconnection—if payment is not made right away.

Unlike legitimate businesses, scammers insist that you pay using gift cards, often specifying which type to buy and where to purchase them. They may even stay on the phone while you go to the store, ensuring you don’t have time to think critically or ask for advice. Once the scammer receives the gift card number and PIN, the money is gone, often without any way to recover it.