At 3:20 AM I got call on my cell phone with a recording stating my credit card had been locked and if I wanted to reactivate I should enter my credit card number. NO WAY! It looks like the caller is trying to get to you while you are groggy and pick up your card number. The number was hidden but came out of the 847 area code which is Illinois. I did not appreciate being woken up and then having to call the credit card people to find out what is going on.