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Utility Scams: Imposters threaten to cut off essential services (electricity, water, internet) if immediate payment is not made via gift cards. Emergency Scams (Grandparent Scam): Scammers impersonate a distressed family member (e.g., a grandchild in trouble) or a friend, claiming an urgent need for money (bail, medical emergency) and requesting gift cards as the fastest way to send funds.