Bankers say credit card scams seem to come around every 5 or 6 months.

The scammers are fooling victims by guessing the first number of their credit card -- and are getting their financial information by offering lower interest rates.

Nola Bauer works from her home in Mondovi every day. And in between working and walking her dog Charlie -- she says she frequently gets up to three phone calls a day from scammers.

She told us, “Why I decided to take this call, I don't know -- I just decided to answer it and see what they had to say.”

What piqued Nola's curiosity was the mention of a lower interest rate, “First they tell you, you can get a 6% interest rate -- which is a pretty good interest rate, and in these times I thought o -- kinda sparked my interest.”

And after telling Nola the first number of her Visa credit card number -- she was even more convinced he was legitimate. She says, “I thought that was interesting, so I gave him my credit card number.”

But United Bank Vice President Mike Muehlbauer says guessing the first number of her Visa isn't that hard -- because they're all the same. He says, “Visa credit cards all start with a 4, MasterCard numbers all start with a 5, Discover cards all start with a 6 -- so the scammers are in tune with that.”

Muehlbauer says his branch in Osseo just started getting reports of this scam last week -- but warns customers, “Companies will never go out and call up a customer and say I’m calling to lower your interest rates on the credit card, please give me your information.”

He says if you do want to lower your interest rates -- you need to call your credit card company and see what they can do for you.

While Nola did give out her credit card numbers, as soon as she got off the phone she realized it was a mistake and alerted her bank and credit card companies. Which is what banks say is the best thing to do if you ever receive this call yourself.