With more than 303 million U.S. and an estimated 5 billion global cell-phone service subscribers, according to the Cellular Telecommunications and Internet Association, con artists have a huge opportunity to scam mobile phone users. From smishing to malicious viruses, the Better Business Bureau warns of some of the latest cell phone scams.

Like phishing, smishing occurs when scammers pose as banks or other trusted companies and send bogus text messages notifying you of account problems or lottery winnings. They claim to need to verify personal information and provide web sites or telephone numbers. Thieves use your information to steal your money and identity.

Malicious software, such as malware or spyware, not only causes harm to computers, but your cell phone, as well. Often unknowingly downloaded through game, video or other application links, this software is designed to steal information, such as passwords, text and e-mail messages, contacts and pictures. It also tracks and records calls or takes control of your phone to send spam messages.

Your BBB offers the following tips to keep your cell phone free of phishing scams:

• Don’t reply to or click on links within text messages from unfamiliar senders. Responding lets schemers know they’ve reached an active cell phone. And, most links contain viruses.

• Know banks and similar organizations won’t send text messages requesting personal information.

• Request your cell phone provider block numbers and text messages.

• Verify requests’ legitimacy by contacting organizations through trusted phone numbers.

Lookout Mobile Security advises the following to steer clear of malicious software:

• Download applications from trusted sources only, such as reputable stores and Web sites. You can also download a mobile security tool that scans applications for malware and spyware and protects your device from unsafe Web sites.

• Be wary of unusual phone activity, such as unfamiliar text messages, odd phone bill charges or decreased battery life.

Contact your BBB to check organizations out or get advice on cell phone and other scams. Visit bbb.org or call (937) 222-5825 or (800) 776-5301.

John North is president and CEO of the Better Business Bureau.