So, my husband got a call today from this number, claiming to lower his interest rates. Now, for the past 6 years, I've been the target of all kinds of fraudulent activity - and embarrassing calls, harassment of my family and friends (including him). He was suspicious, but the phone number, very local, seemed ok at first. He said the man on the other end was smooth, and used the line "because of your on-time payment history, and even over-the-minimum amounts you have made, I can offer you lower interest rates..."  This man never gave his name or the name of the company he "represented". The kicker was, when he told my husband he would need to verify his credit card number - all 16 digits!!!! WHAT THE HELL?!  Just saying!