1. It's not always easy to know that. But you can pay attention to the sound in the background during the call. If you hear many people, it is possible that it is an organization.
2. Inconsistencies and unrelated requests with the problem are very good clues to suspect a scam. Also, if you are asked about your credit card numbers there's no doubt, it's a scam!
3. Just tell them that you don't have a credit card and maybe they'll tell you about another fraud problem.
4. Microsoft will never call you to discuss your antivirus, or even for anything else. If you don't call the support, it will never come to you.
5. If it is a trusted remote technician, you can allow it to access your desktop. But if you have doubts, it is better to be guided and do the manipulations by yourself. Be careful, however, with the instructions given by the technician.
6. To my mind, they're supposed to be paid to solve computer problems!
7. No, never give out your credit card information even if it's just to see if you're qualified to a lower rate. Might as well not be qualified!
8/9. I don't think the credit monitoring services will call you for that kind of thing, unless they're scams...
10. "Offering" Google Play cards to technicians is [not recommended] optional, even if they request them. Pop-ups just need to be closed to remove the "fake" problem without even calling the displayed phone number!
11. Say that your computer is working well and that you don't want it to be destroyed by them.
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