This is a credit card scam. They have called me several times in the past year but the numbers change. Just today they called wanting to "lower my interest rate". Yeah right. After listening to this women's pitch for about 6 minutes. (in broken English) She told me that I have over $3500 in credit card debt with the following bank, xyz, etc. I don't have an account with theses Banks. She said she could lower the interest rate for the life of the loan. I said, "Sounds great! What do I need to do?" She informed me that she would need the expiration date on my credit card. I told her I didn't have my wallet with me so could she please hold. She did....for 10 minutes, LOL. I came back and said, "Oh, are you still there?" She said yes. I asked her, "What was it that you needed again?" She said, "your expiration date from your credit card." to which I said, " I have a better idea, GO FU@K YOURSELF!" She wasn't very happy and immediately called back 3 times. I finally answered in a very pleasant voice, "Hello!" Her response - I WILL CALL YOU EVERYDAY NOW!! These people are the scum of the earth.