Scammers are still heavy on the prowl, and they collect a lot of money from people who are unaware. They will call you and tell you that your account is overdrawn or that you can take advantage of a lower interest rate. They called me and told me that my Visa was in bad standing and that I needed to pay them to catch up. I immediately smelled a rat and I asked them which Visa they were referring to (In other words, I wanted to see if they knew my number). They told me that I already knew which account was in bad standing and they demanded that I pay immediately. I told them, “If you don’t know my number, then how can you possibly know if I am delinquent in payment or not?” They then told me to give them my account number (because they don’t like to mention it over the phone) and then they will tell me just how much money I owe. For the record, I already knew that ALL of my accounts were in good standing, so I just wanted to see how far these guys were willing to go before I busted them. I then asked them what bank they represented and they said “The one for your Visa.” That was the wrong answer. I then told them that I was going to report this number to the authorities for fraud, and as soon as I said that they hung up. When I tried to call them back the number was amazingly “not in service.” Scammers will now call your cell phone. Scammers will do and say anything to get your information. If they call you and you are not sure, then tell them you will call them right back after you “check your information.” Then call the number on the back of your card. Right after I talked to these people I called all of my cards to check and found I was not delinquent on “any” of them. When people call you for money make sure they have all the information needed. They need to know your name, your bank name and they need to know your account number already (at least the last 4 numbers). Even if they do have this information, make sure to call them right back after you “check” your account. Scammers collect a lot of money from unsuspecting people all the time. Don’t be one of them. Put them on the defensive and see how they react. Know your accounts well enough to be able to question them (without giving them any personal information). Don’t become a victim. Hopefully this message will help someone. Thank you for checking out my Daily Thought, and as always I wish you the very best that life has to offer.