Oh no, they didn't want to lower your credit card interest rate! They just wanted to get your name, card number and other identifying information so they could steal from you.
Called saying I qualified to have interest rates on credit cards lowered for life. $700 "one time transaction fee" that could be broken up into 3 monthly payments. Eventually wanted me to call the credit card company with them on the line while I verified my identify and authorized the card company to talk to them. Verification includes giving your SSN and answering security questions while they were on the line. I said I wouldn't give non-public identifying info with them on the phone and I'd pass on their offer. They called back a week later threatening to send the unpaid "transaction" fee to collections of I didn't pay it. I told "Sam" I didn't complete a transaction with them and they provided no services and weren't entitled to a fee. He kept trying to say it was too late and the fee couldn't be reversed. Total scam!
Called while I was on the phone with someone else; didn't answer it.
From what I'm seeing on here, it's a "credit card rate lowering" scam, which is HIGHLY amusing that they would try calling me, as my husband and I DON'T OWN CREDIT CARDS. We REFUSE to get credit cards, after seeing how bad they screwed up our parents' finances so many times.
Credit card fronted, identity scam. I never received these calls until I had to finance with capital one for my car. Now I get a different scam call every other week related to credit and identity theft. Cosmic coincidence? It started the same week I bought my car.