Cramming: What it is and what you can do about it. In the last few years, smartphones and tablets have become the norm for cellular and wireless communication. Since these devices are essentially portable computers, bill payment, money transfers and online purchases have and will continue to become more and more common. Unfortunately, it follows that crooked schemes will become more common as well. Even placing a classified advertisement will almost invariably attract someone trying to cheat you out of your money. So, what is cramming? Simply put, cramming is placing fraudulent charges on your phone bills, but, with legitimate charges appearing there too. Y our phone bill might look more like a credit card statement than a phone bill. You need to take steps to keep from getting ripped off with phony charges. It’s important to review your bills every month for these kinds of scams. Some will be obvious and easily disputed, but you may see other, non-specific charges such