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According to the Better Business Bureau, right after the New Year's holiday is usually a popular time for people to practice credit card fraud.

We received an e-mail from a viewer saying she got a call from a Montana number and was told by a recording that she could lower her interest rate on her credit card. Almost sure it was a scam, she pressed option one to do it just to see what would happen, and the call was picked up immediately. She asked what card it was pertaining to and the name of the person on the card, and whoever was on the other line hung up immediately.

The Better Business Bureau says if you get a call like this, the best thing to do is hang up.

"They're either fishing for the credit card number so they can steal your identity, or they're going to say their company can negotiate a lower rate," said Accredited Business Director with the Better Business Bureau Coleen Smith. "And they're asking the people to pay between $700 and $1,000."

Smith says if you receive a call like this one, you can file a complaint at FTC.gov or DONOTCALL.gov.

She adds to never give out your credit card number or social security number over the phone.
Also, if the caller ID shows a Montana number, it might not be, so don't trust it.