Picked up, pressed one for lower interest rate, male picked up immediately once I did and identified him as "Visa Mastercard" lower interest service department. We see you have paid your minimum payment or more on all of your cards and want to lower your interest rate to below 6%, i continues to ask what company? what credit card? he kept saying visa mastercard blah blah blah and kept repeating his spiel and asking one more question to me each time prying for info so I hung up.