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The Filipino lady sends the user a link to an adult chat site and states that the service is free and a credit card is only needed for age verification.
Several weeks later the victim looks at their credit card statement and sees billing for adult chat services.
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Although the majority of Filipino singles are genuine and serious about finding a partner; unfortunately a few of them turn out to be scammers and malign Filipinos on online dating sites.
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Typically this involves asking a victim to send a small amount of money to buy food, pay for daily living expenses, internet access, hiring a private room with a webcam or numerous other variations on the above.