You get an e-mail (or you are called) from somebody claiming to be from a credit card company. She will tell you about their newest promotion, a new credit card with $10,000 limit.
Because it’s a promotional edition, you will get a free laptop (or iPhone) with it. After a great pitch, the operator will tell you that in order to get all this, there is a one-time $250 fee. Unfortunately, several people still fall for this scam, as they take into consideration the value of the laptop.
How to avoid: ignore the offer, a credit card company will never call you with deals like that.