You are looking to buy a place and you see an online promotion telling you can have a guaranteed loan through your credit card. You give it a cursory read and it seems to make some sense and then you see a big red button that says, "Apply Now!"
Since you have trouble saying "no" to big red buttons, you click on it and it takes you to your credit card company's website and tells you to put in your personal and credit card information.
You figure it's just a loan application, so you comply, only to find out just a few days later that your credit card is racked up with charges. How could this ever have happened?!
How to avoid: learn how to differentiate clone websites from authentic websites. Real website urls usually contain the name of the company; fake ones look like this: http://k2nxw.com/cgi-bin/login.