Has someone used your credit card or personal information to make purchases to take out credit cards? If this is has happened to you, you have been the victim of identify theft. College students are the biggest targets of identify theft since they are new to managing their finances. You may have only recently acquired a credit card. It is up to you to be vigilant about your purchases, where you make your purchases, and the level of information you give out, especially your credit card and Social Security numbers. Never give out passwords, and check your purchases via the bank/credit union regularly. If there is a purchase you are unaware of contact the financial institution immediately.
Also, be wary of scams. Many scams come in the form of phone calls, texts, and emails. The IRS, banks, and other legitimate institutions will not ask for personal information over email. If an email has a link they would like you to use, its best to use the main link (a good example is http://www.utep.edu) and then search for the link within the main page. Additionally, contact the institution directly. If it is too good to be true, it probably is.