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Know the scam before the scam knows you.
Fifteen minutes, seven checks: passwords, OTP discipline, app permissions, backups and the family "no money over phone" rule.
Scammers now write like your bank. These are the message patterns that look normal but are almost always a fraud attempt.
Money moves faster than paperwork. Here is the exact order of action — bank first, then the official portal — that gives you the best chance of recovery.
