Are you a naturally suspicious person? Does it make you uneasy when you get a cold call and the person on the other line starts asking you for personal information? Have you ever started talking to someone who called you and you assumed was from your credit card company, but halfway through the conversation you doubted yourself and hung up?

If your gut is telling you to be worried, you should probably listen. This article from Lifehacker explains some of the details of “Vishing” (voice-based phishing). It's a method used by identity thieves to steal your credit card and personal information over the phone. Here’s how to tell if a call is actually from a scammer, and the best way to handle the situation if you’re not sure.

Listen for the following words when you receive a call from someone claiming to be your credit card company:

“We think there has been some suspicious activity on your credit card. We just want to confirm these transactions with you.”

If they say anything different, immediately hang up on them. Call the customer service number on the back of your credit card and ask them if someone from the company just called you.

Stay safe!