rec calls every day from a bunch of scam artist. All of them have thick Indian accents and are claiming to be a credit card company that can lower your interest rate. You can press 9 to speak to a live person. When they answered I started laughing at everything the person was saying. I proceeded to tell him that this was a scam and he asked why I said it was a scam. I then dropped the bomb and said because I don't use credit cards. I played around with him, to make him look like a fool, and then ended the call. Please do not give any legitimate information to them or they will steal your credit card numbers, sell them and you will be in serious debt.