Some banks now do TV ads about how to spot the phone scammers. Yet still my credit card company phone me up and ask for name, date of birth and credit card number to prove who I am!
Your phoning me! On the mobile number I gave you on setting up the account! There's a good chance it's me, or my mobile's been stolen in the last day or so and I've not had time to cancel it. Yet who the fuck are you!
At least that Verified by Visa non-security web pisstake thingy has a word you gave them, so you know there's a passing chance it may be their computer you're talking to.