I dont answer unknown calls, but I got an sms form a bank the other day. I have no business with that bank, I didnt know it even existed. It stated that I had to finish my aplication for a Gold card, I clicked the link and sure enough they wanted me to do the things that one never should do, give them your log in information and pin number.
I contacted the real bank via the chat on their web site and got the answer that I had to send an e-mail. So I send an e-mail and got the answer that I had to use the chat function. Thats just the thing a grumpy old geezer need to hear when he is trying to do the right thing. Great service.
Anyways I read in the paper that the usual gullible old person is now longer the main target and the scammers are seeking out the younger even more gullible generation, that belives in the pot of gold at the end of the link.