Scam calls are designed to catch people off guard, often by calling at unusual hours or asking questions that encourage a simple “yes” response.

While claims about recordings of “yes” being widely misused are often exaggerated, phone scams are real, and caution is important.

The safest approach is to avoid answering calls from unknown numbers, especially if they ring once, stop, or come late at night.

If a call is genuine, the caller will usually leave a voicemail or contact you another way. If you answer and something feels suspicious, you can simply hang up. You are “never obligated to remain on the line simply to be polite.”

To reduce your risk, enable spam and call-blocking features, monitor your bank and credit card statements, and check your phone bill for unusual activity.

If you notice anything suspicious, contact your bank or phone carrier immediately.

Above all, trust your instincts. If a caller pressures you or seems suspicious, avoid sharing information or continuing the conversation.