Got connected to a rep who said they could lower my interest rate to 6% on whatever Visa card I chose. Told her it seemed strange that they were letting me pick the card and weren't identifying a specific company or bank. I said I did not feel comfortable doing this over the phone. She suggested that her company mail me additional info which I agreed to and then we got disconnected; what a surprise (insert sarcasm here.) Really glad I was skeptical. If it sounds too good to be true, ...