Scammers use all kinds of methods and tactics to persuade you into giving them money. If you hear these two words when contacted by someone asking for money, you know it's a scam.

Scam artists are creative and cunning in the ways they try to take money from you. There are the phony charity scams, your relative is in jail and needs bail scam, there's a warrant out for your arrest scam, you've won something and have to pay a fee scam, investment scams, and so many more.

These scams can come from phone calls, emails, text messages, and letters. Initially, the scammer may try to collect information that's common to see if you're guarded or open to talking with a stranger.

So, knowing there are a lot of people out there trying to get your money, and yes a few are legitimate, but if you hear them say these two words you know it is a scam. The words? Gift Card.

No legitimate organization will ever ask you pay or make a donation with a gift card. Of course, scammers have ways of trying to convince you why they need that gift card and can be very persuasive. Don't give in.

Also, don't give them a credit or debit card number, checking account information, or any personal information that would allow the scammer to fraudulently obtain your information.