Offshore credit cards are payment cards issued outside your country of residence. They work on global networks and offer similar features to domestic cards but come with different documentation, possible deposits, and stricter regulatory reporting.
Unsecured loans are credit without collateral. They offer access but usually at higher cost and with distinct risks for lenders and borrowers. Modern underwriting and regulation have increased transparency, though informal markets persist.
Advance-fee fraud (419) began with postal scams and evolved into email, social-media and cryptocurrency schemes. Young people still participate, but the platforms and tools have changed. Effective responses combine KYC and AML controls, platform reporting, law enforcement and community education.