For years hackers have tricked thousands of people with phony emails luring them to divulge their bank account information or personal identifiable information (PID) so that they can have an all expense paid shopping spree on someone else's dime. Times change and so do criminals. They are always modifying there tactics to scam you. Their newest trick is called Smishing. This is when you receive a voicemail or text message from supposedly your "bank" asking you to confirm some form of large purchase or subscription.

They may leave you a voicemail message or send you a text with a link asking you to confirm the transaction. Once you do either from there they will get you to verify your identity by getting you to give up all your PID. Never give up your information in this way. If you think your bank is calling you call the number on the back of your debt or credit card, and you will never receive a text message from your bank unless you've signed up for the service directly through your financial instution. With the holidays right around the corner expect tactics like this to become prevalent. For even great protection "lock down your credit". Remember it's always better to be safe than sorry.