Danielle Haase recently had a doctor's appointment, but when she went to pay with her credit car, it was declined.

"I got that quizzical look like 'that shouldn't have happened'," she said.

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"I scrolled through my phone app and saw there was this $800 charge at JB-HiFi and I sat there for two seconds and I said 'I think I've been ripped off'."

She quickly raced out to her car and turned off the credit card app in an effort to prevent any further illicit transactions.

She called the fraud squad who asked her some questions and ordered her a new card, which would arrive in two weeks.

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"What's great about these days, literally online within two days I had a new digital card in my list of accounts and through the app it meant I could use the card straight away," she added.

"It was resolved within a week and the money popped back into my account and that it was all done."

But something still doesn't sit right with her about the whole experience.

"Asked if she knew how the scammers got her details she said: "I have no idea."

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"It's probably because of my business, before I started my business I never got exposed to that," the owner of Blue Doggy Day Care Centre said.

"That's probably the most scary part, I generally don't go to weird and strange locations with my credit card, so I'm pretty consistent. I guess I'll never know is how the hell they got it."

This comes as new research by RateCity shows that almost one third of Australians have been victim of a financial scam.

Rate City surveyed 1,005 Australians to reveal 29 per cent of respondents had been scammed. Scams included credit card hacks, stolen money, and people who had been tricked into handing over money.

Latest figures from ACCC Scamwatch show scams cost Australians almost $200 million in the past 12 months - an increase of $46 million, year-on-year.

This growth isn't too much of a shock to Ms Haase, who said she is regularly contacted by scammers.

"I get an SMS almost daily from a scam," she said.

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"I'll get a Bitcoin related one usually and it's just every single day and I probably get a call three times a week from some sort of not legitimate call.

"My biggest concern always is that my mum gets scammed using her credit card or scammed by something online.

"She's 75 and it's not so much what I'll do because I don't think there's much more I can change."

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