Have you ever been scammed online?

I have been scammed several times over the net.I have my most of the money in HYIP's as well as ptc sites.After that I never invest on any site as all the sites are mostly scam or turns out to be one.

not yet... because before i joined a site..I have to do some reseaach and read their TOS about that site...Most of the time you can caught them in the TOS, so better read before joining.. Its better to investigate and get some claims regarding the site first than losing everything..I also joined site's that don't need investment in order to earn..It safer and better earning ..

Mine I dont know whether it should be termed as scam or not because I wanted a virtual credit card and I saw a website providing it. I just spent a lot of my time getting an int. debit card and all but before paying them I got to know from some forum that they are actually scammers so what i lost was my time....