Question 1 of 30
You open your bank app yourself and it shows a security notice asking you to confirm whether a card purchase from yesterday was yours. The purchase amount and merchant are correct. What do you do?
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Gullibility Test
Scam vulnerability, deception resistance and false-alarm tendency. It mixes scams, legitimate situations and cases where the right response is to verify before deciding.
For each situation, say what you would genuinely do next and why. Do not try to classify every situation as a scam. Some situations are legitimate and some do not contain enough information to know without checking.
The test rewards proportionate independent verification rather than blanket distrust. All 30 answers also contribute separately to the hidden personality model in the background.
Question 2 of 30
A charity you already support launches an emergency appeal after a major disaster. You navigate to the charity website using your own bookmark and the appeal is shown there. What do you do if you want to donate?
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Question 3 of 30
Your GP surgery calls from the number already saved in your phone and offers you a cancellation appointment in 20 minutes. They only ask whether you want the slot and do not ask for payment or security information. What do you do?
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Question 4 of 30
A crowdfunding project has many backers, several influencer endorsements and a polished prototype video, but the product has not shipped yet. You are interested in backing it. What matters in your decision?
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Question 5 of 30
A company you have bought from before emails saying its billing system changed and asks you to update your payment details before your next renewal. Nothing is urgently due. What do you do?
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Question 6 of 30
Your credit-card app, opened normally, shows £18 cashback earned from purchases you made last month and offers a button to apply it to your balance. What do you do?
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Question 7 of 30
You are choosing between two established online retailers. One has thousands of mostly positive reviews across several independent review sites and offers normal card payment with buyer protection. How much weight do you give that evidence?
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Question 8 of 30
A caller says they are from a card provider and correctly names several recent purchases before asking you to read out a one-time security code that has just arrived by text. What do you do?
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Question 9 of 30
You receive a text saying a parcel could not be delivered because £1.49 postage is outstanding. It includes a link and says the parcel will be returned tonight if you do not pay. What do you do?
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Question 10 of 30
A friend tells you about an investment they are pleased with. The website looks professional, testimonials are excellent and the recent returns are unusually strong, but you know little about the company. What do you do before deciding?
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Question 11 of 30
You are added to a group chat where dozens of people post screenshots of profits from the same investment platform. Several users say they have already withdrawn money successfully and urge newcomers not to miss the opportunity. What do you do?
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Question 12 of 30
Inside your bank app, opened independently, a secure message asks whether you recognise a card payment and offers Yes or No buttons. It does not ask for any password or code. What do you do?
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Question 13 of 30
An online seller offers you a 12% discount if you pay by direct bank transfer instead of through the marketplace checkout. They say this avoids platform fees. What do you do?
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Question 14 of 30
You receive a password-reset email for a service you use, but you do not remember requesting a reset. The email looks normal. What do you do?
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Question 15 of 30
You paid for an online service that has delivered some useful work, but it now says a feature you thought was included requires another unexpected fee. You have already spent several hundred pounds. What do you do?
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Question 16 of 30
A close friend messages from their normal social account saying they are stranded abroad and urgently need £180 sent to a bank account you have never used for them before. What do you do?
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Question 17 of 30
You receive an email saying HMRC owes you a tax refund and provides a link where you can enter your bank details to receive it today. What do you do?
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Question 18 of 30
Someone claiming to be from your bank calls and says fraud has been detected. They know your full name, postcode and the last four digits of your card. They tell you to move your money to a temporary safe account. What happens next?
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Question 19 of 30
A caller says they are a police officer and asks you to attend a station tomorrow regarding an incident you may have witnessed. They give a name and reference number but do not ask for money or passwords. What do you do?
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Question 20 of 30
Your employer sends a notification inside the HR system you normally use asking you to review your tax-code details before payroll closes. You signed into the portal through your usual bookmark. What do you do?
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Question 21 of 30
A message says your mobile number was randomly selected for a £1,000 prize. You do not remember entering anything. To claim it you must first pay a £24 processing fee. What do you do?
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Question 22 of 30
You have already paid £35 to release a supposedly valuable parcel. You are now told customs found another problem and an additional £90 must be paid immediately or the original £35 will be lost. What do you do?
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Question 23 of 30
A local tradesperson finishes agreed work and emails an invoice asking for bank transfer. The amount matches the quote and the bank details match those on the original paperwork you already had. What do you do?
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Question 24 of 30
Someone you have been talking to online for several weeks says they have an unexpected travel problem and asks to borrow a relatively small amount of money. You like them and the story is plausible. What do you do?
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Question 25 of 30
A tradesperson from a company you have used before texts that their bank details changed and asks you to use the new account for an invoice due tomorrow. The text comes from the same number used previously. What do you do?
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Question 26 of 30
A courier email says your parcel is out for delivery and contains a tracking button. You are expecting that parcel. What do you do if you want to check where it is?
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Question 27 of 30
An email says your main email account will be permanently closed in 30 minutes unless you confirm ownership using a button in the message. What do you do?
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Question 28 of 30
You are buying a used item online. The seller says another buyer is ready and asks for a deposit within ten minutes to hold it. Their profile looks ordinary but you have never dealt with them before. What do you do?
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Question 29 of 30
Someone claiming to be from your electricity supplier says their payment system is down and you must settle an overdue balance today using supermarket gift cards. What do you do?
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Question 30 of 30
You booked a hotel months ago through the hotel’s own site and paid the stated deposit. The remaining balance is now due through the same account before arrival, exactly as the original booking terms said. What do you do?
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