Cyber criminals have become more aggressive and creative in trying to take your money.

The FBI reports scammers are using new schemes to fool you.

These include selling counterfeit products as designer brands and reshipping products bought with stolen credit cards

According to the FBI, here are other scams to watch out for:

• Online classified ads and auctions for products you pay for but will never receive.

Check all sellers’ rating and feedback with their number of sales and the dates on which feedback was posted.

Some will try to fool you with 100% positive reviews that they posted themselves. Check for reviews posted about the same time and date.

• Gift card scammers. Buy gift cards only from merchants or authorized dealers.

• Phishing and Social Networking. Beware emails or text messages about problems or questions on your bank and financial accounts.

Scammers will tell you to follow a link or call numbers to update your account or correct the problem. The link will take you to a fraudulent website or message that appears legitimate.

They will steal and use any personal information you provide – account numbers and personal identification numbers (PINs).

• Email messages to a website designed to fool you into giving personal information. These may be one-day-only promotions for well-known brands or websites. Scammers use “hot” seasonal products to lure bargain hunters into giving them credit card information.

The FBI advises you not to:

• Answer unsolicited emails.

• Click on links in unsolicited emails.

• Fall for emails offering pictures in attached files which may contain viruses. Only open attachments from known senders. Always run a virus scan on attachments before you open them.

• Fill out forms in emails that ask for personal info.

• Respond to anything where the email link and the web address link don’t match. You can contact the actual business that supposedly sent the email to verify the email is genuine.

• Respond to requests to act quickly or in an emergency. It is probably a scam. Scammers create a sense of urgency to get you to act impulsively.

• Respond to requests for personal information from a business or financial institution. Always look up the main contact information for the requesting company in a phone book or legitimate billing statement and call to verify if the request is legitimate.

If it looks too good to be true, it probably is.

To report online scams, go to the FBI’s Internet Crimes Complaint Center at www.ic3.gov .