You get a phone call offering better interest rates on your credit card. They want a ton of information from you and while they are talking, you notice that the area code on your CALLER ID is — 062 — or some other strange number — 062 is an INDONESIA area code…. Take a wild guess ???? A SCAM MAYBE !!!?? You bet it is….. You can call your credit card people and try to negotiate a better interest rate (good luck!) BUT, they will not call you. They may send you regular mail with an offer of some type, but not an e-mail and not a phone call —- so, when you get a call like this, look at your caller ID and check the area code and prefix…… better yet, JUST SAY NO and hang up….. Be Aware - Be Careful - Be Safe — Sheriff Karl Dailey