In my article last week, I wrote of a widespread email scam that attempted to get people to send hundreds of dollars of iTunes gift cards to them. Now let’s go to another method scammers love: the robocall.

One is hard-pressed to go a day without getting numerous robocalls. Scammers do this as there is a lot of money to be made off unsuspecting people. A way to avoid their malfeasance is by not answering calls from numbers you don’t recognize. But scammers will spoof their phone numbers, which makes this method imperfect.

As to the scams themselves, there is no bigger red flag than someone calling you out of the blue pressuring you to buy something. And this describes these callers perfectly.

These phone scammers lie and deceive. They will fib and tell you they are from your bank or utility provider.

These robocalls use their systems to make millions of calls daily. If you want to hear them, go to https://bit.ly/2YXIDFG and listen. If nothing else, listen to these recordings to understand how the scammers operate. They are often pushy and will lie to get your personal information.

So, here are some of the most common robocalls you are likely to get:

Credit Card Zero Interest Rate

A popular scam call is from firms promising to lower your credit card interest rate to 0%. They will tell you they are from your bank, or from Visa/Mastercard. The latter is ridiculous since Visa and Mastercard are two separate companies and competitors.

The bait they offer is that they will reduce your high credit-card interest rates to zero percent. For those with large balances on high-interest cards, this sounds like a great deal and will save them a lot of money.

They don’t tell you that they are moving your balance to another bank with a short-term zero interest reduction. And for that, you will be charged exorbitant fees, often up to $3,500 for a $10,000 balance. And six months later, you are back to the higher interest rate.

Extended Auto Warranties

Strictly speaking, these warranties may be legitimate, but they are always significantly overpriced than genuine warranties you can get direct from the auto dealer or your bank.

The main issue is that while you may have a warranty, you do not have coverage since most auto dealers and mechanics won’t accept these warranties. The extended auto warranties salespeople are quite high-pressure and tease you with a 30-day money-back guarantee. If you read the reviews of these companies, most people find it a near-impossible task to actually cancel within the 30 days.

They will also discourage you from calling your mechanic to verify coverage, saying that if the call is disconnected, you are no longer eligible for the warranty.

Arrest Warrant Scams

This scam is so over the top that it’s hard to imagine people fall for it, but they do in droves.

In this call, the scammer makes absurd claims about various warrants out for your arrest. Many people would be scared by the allegations and cooperate. But if one listens carefully, they can hear mistakes in nearly every sentence.

The caller “checks his system” to make up things and try to give a semblance of legitimacy. This is a scam where people may come to your door to get the money, or alternatively send them large amounts of money via transfer or gift cards.

Energy Supplier Scams

Third-party energy suppliers can be quite devious. The initial person you speak with will tell you about the low rates and rebates you will get. When they ultimately transfer you to the verification department, you will be quoted a different, much higher—often exorbitantly higher—rate. These calls are from TPS (third-party suppliers), who will often tell you they are actually calling from PSEG.

Given the nature of these calls, that cost difference is often lost on the victim, with rates such as 0.36005837 cents per therm and or 0.130131761 per kWh (kilowatt-hour).

The rates you will be charged are often quadrupled over what the initial caller quotes. But with the nature of the billing, the customer may not get their updated bill for 8-12 weeks, at which point they are on the hook for these massive charges. If it is winter or summer, where energy usage surges, the amounts can be quite significant.

As to PSEG, who sends you your bill, even if you dispute the bogus charges, if you do not pay your bill in full it will show as delinquent. You can dispute the rate with the TPS—if you can get them on the phone. But it needs to be paid, as PSEG has already paid the TPS you signed with. If you don’t pay, it could result in your gas/electricity being shut off.

Energy scammers are particularly pushy, as once they get you signed up, most people will not see the charges for months and are unlikely to cancel. So the profits are significant.

Google Business Listings

In this scam, they claim to get your business prime search listings on Alexa, Siri, and others. While there are aspects of SEO (search engine optimization) that are entirely legitimate, this is not one of them.

As Shimon Sandler, president of Sandler Digital, notes, what these phone scammers are doing is something business owners can do themselves. All a business owner has to do is visit https://support.google.com/business/answer/6335800?hl=en and update their business information.

Scammers Are Liars

All of these phone scammers are liars. The best way to deal with them is to not answer the phone. If you do answer, understanding their methods and the scam they are selling helps to avoid getting trapped. Knowing what to expect on these calls is the best way to ensure you are not yet another victim, and poorer for it.

Ben Rothke lives in New Jersey and works in the information security field. He reviews books on religion, technology and science. @benrothke