These days, it never pays to be polite to anyone...
Apparently there's a new phone scam going on where the first thing the person asks is, "Can you hear me?" Your instinct will be to say, "Yes" . . . and if you do, you're SCREWED.
Because they're recording you saying "Yes" . . . so they can play that back when they use your stolen credit card number to buy something and the credit card company calls to confirm the purchase.
So if you get a call that starts off with "Can you hear me?" just hang up. Or if you think it MIGHT be a legitimate call, don't say "Yes" . . . say something like, "I can hear you."