You will produce a one-page card that you or a family member can follow in the first hour after a scam.
Imagine your father calls you at 11pm. His voice is shaking. He's just realised the "bank officer" he spoke to earlier wasn't from the bank, and money has gone. You know what to do from lessons 8.1 to 8.3. But you're half asleep, he's panicking, and neither of you can remember which bank's hotline is which.
In that moment, nobody is going to reread a course. What helps is one page with every number and every step on it, in order, that either of you can follow without thinking. That page is what you'll build in this project.
Write a one-page card that you, or anyone in your household, can follow in the first hour after a scam. It needs to work for someone who is frightened, possibly on a phone they don't trust, and who hasn't taken this course.
The card has five sections:
Freeze: the official hotline for every bank account in the household, and where each banking app keeps its emergency freeze. Report: the police online reporting route through police.gov.sg, and 999 for emergencies or a scam happening right now. Evidence: a checklist of what to save before blocking anyone or deleting anything. Clean up: the password and app clean-up order from lesson 8.3, Secure your logins and watch for recovery scams. Recovery warning: a short warning about recovery scams, and the ScamShield website for checking any follow-up contact.
Keep it to one side of one page. If it runs longer, people stop reading halfway.
Start by gathering your numbers. For each bank account you hold, copy the official hotline from the back of your card or from the bank's own website. Never take it from a search result ad or a message. If you completed the checklist in lesson 7.4, Set up your anti-scam settings checklist, you already have these and the location of each emergency freeze. If you're making the card for your household, include the accounts of anyone it's meant for.
Next, write the freeze section. Put it at the top. List each bank with its hotline and the path to its emergency freeze, for example "Bank A: hotline on back of card, freeze under Profile, Security". Add a line: call from a different phone if this one might be compromised.
Then write the report section. Note that a report can be made online at police.gov.sg or at any police station, and that 999 is for danger or a scam in progress. Leave a blank line for the bank's reference number, so whoever uses the card writes it down during the call.
After that, write the evidence checklist. Use short lines: screenshots of chats and profiles, phone numbers with dates and times, recipient account numbers, links and app names, transaction records, bank reference number. Finish with a bold instruction in plain words: save first, block later.
Then add the clean-up order. Write it as a numbered sequence in the order you worked out in lesson 8.3: any password you shared or typed into a fake page, then email, then banking, then Singpass, then anything else that shares a password. Add one line on removing unknown apps and checking permissions.
Finally, write the recovery warning. One or two sentences is enough: anyone who asks for a fee to recover lost money is running another scam, and any follow-up contact can be checked through the ScamShield website.
When the draft is done, read it as the most panicked person in your household would. Cut every word that isn't an instruction or a number.
Here is an illustration of a finished card, written by Shu Fen, 33, for herself and her parents. The banks are labelled A and B here, but her real card names them in full.
At the top, in large text: "Scammed? Do these in order. Don't stop to feel bad."
Step 1, freeze now. Bank A: hotline from back of card, written out in full. App freeze under Profile, then Security. Bank B: hotline written out in full. App freeze under Help, then Report fraud. Call from another phone if this one might be hacked.
Step 2, tell the bank: time, amount and recipient account of each transfer. Write the reference number here, with a blank line.
Step 3, save evidence before blocking anyone: screenshots of chats and profiles, numbers that called, account numbers, links, transaction history.
Step 4, report to police: police.gov.sg, or any police station. Danger or happening now: 999.
Step 5, change passwords in this order: whatever you gave away, email, Bank A, Bank B, Singpass, everything else. Remove apps you don't recognise.
At the bottom: "Anyone who wants a fee to get your money back is a scammer. Check them at scamshield.gov.sg."
It fits on one page with room to spare. Shu Fen tested it by handing it to her mother and asking her to talk through what she'd do. Her mother asked what "recipient account" meant, so Shu Fen changed it to "the account the money went to".
That test is the last check on your own card. A card that makes sense to you but confuses the person who'll use it isn't finished yet.
Once your card passes that test, one question is left: where will it be when someone in your home needs it at 11pm?
Write the first-hour card, save it on your phone and print a copy for your household.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).