The phone rings and you pick it up. On the other line is a person saying they're from your credit card security department. The reason they're calling: someone has fraudulently used your card.

"The caller or the contactor has enough information, enough real verifiable information to make the contact seem very plausible," says the BBB's Nora Carpenter. Carpenter says this new credit card scam is starting to make its way around the Treasure Valley, either through email or by telephone.

It's a tricky scam. The con artist already has your entire credit card number, as well as your mailing address, and the bank the card was issued from. But, here's the twist, " They're asking for those security numbers that are printed on the back of the credit card," says Carpenter.

And I almost feel for it. I got a call from a con artist claiming to be from my credit card company. In fact, the caller gave me their badge number. They had most of my card number, and my address, so it seemed legit. Until they asked for those security numbers. That's when I knew something wasn't right.

"Unless those last three digits are matched up to the card number they can't actually use the card," says Carpenter. Here's what you need to know: a credit card company knows those numbers because they issue them to you, they will never ask you for them.

So, if you get a call like that, hang up, and immediately call your credit card company so they know someone is trying to scam you.