It just cost me £18 not to use my credit card.

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The title may seem a little strange, but amazingly it is perfectly true. I received a telephone call from a lady claiming to be from British Telecom. She informed me that my telephone bill was overdue and about to be disconnected, which would then cost a further £18 to be re-connected. I was told that if I paid over the telephone with a credit card then this would not happen. I always pay my bills on time, so it did not seem very likely. Furthermore I had no intention of giving out my credit card details to someone who had telephoned me because I had no way of knowing who had called, so I declined. I immediately checked my accounts and discovered that it was true. I returned the call and paid the bill, but the charge had already been applied. I am not really worried about the £18, I consider that it was worth it just to be cautious. Would you have trusted the caller, or reacted the same way?