Who doesn’t love something for free? But beware, that “free trial offer” might mean months of payments that you didn’t know you signed up for and will have a hard time canceling. These types of sales tactics are called negative options – a customer signs up for a free trial and unwittingly accepts a subscription – sometimes for a questionable product – often by not seeing a pre-checked box in the very tiny print.

When it comes to free trials, research before you enroll. Fully understand the terms and conditions by reading the fine print. Keep a close eye on your credit and debit card statements so you spot unexpected charges right away. Contact your bank or credit card company to address the issue; calling the company you inadvertently signed up for a subscription with will likely get you nowhere.

Be a fraud fighter! If you can spot a scam, you can stop a scam.

Visit the AARP Fraud Watch Network at www.aarp.org/fraudwatchnetwork or call the AARP Fraud Watch Network Helpline at 1-877-908-3360 to report a scam or get help if you’ve fallen victim.