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Some [***] foreigners running a scam on lowering credit card interest rate(s)... They don't even know if it's Visa, MasterCard, Discover, or AMERICAN Express they're calling about. Funny thing is that I don't have any credit cards, but yet these idiots insist I do... Then they ask about bank accounts... These scammers need to get sent back to their hell hole countries they came from !!!!!!!!!!!!