THIS IS A DISCOVER CARD SCAM....MAN TOLD ME HE CAN "IMPROVE" MY CREDIT CARD EXPERIENCE BY LOWERING MY RATES...ALL HE NEEDED WAS MY CREDIT CARD NUMBER !!!!????  WOW !  WHAT AN IDIOT !!  I TOLD HIM HE HAD TO BE KIDDING....I TOLD HIM NEVER TO CALL ME AGAIN, THEN HUNG UP ON HIM!  BE VERY CAREFUL....NEVER NEVER NEVER GIVE OUT YOUR CREDIT CARD NUMBER TO ANYBODY WHO CALLS YOU FIRST.....ESPECIALLY THESE A..HOLES!