SCAM!!! Scammers, just like the rest of the people that call me talking about my current credit card!! I don't even HAVE a credit card!! [***]!! This is like the 4th or 5th time I've got a call like this about lowering my interest rates from a group of people that is trying to scam me. REMEMBER: Don't give your personal info to ANYONE over the phone if YOU did not call THEM!