Have received several calls offering lower credit card rates. I usually hang up. Today I dialed the 1 for more info and said what kind of scam are you trying to pull. She said f**k you and hung up.
Just got same call, I pressed one to speak to rep in person. I asked him what bank he is from & he said for my mastercard or visa. He said I could get lower rate than I have now. Never said an actual bank name. He wanted to know my balance, I said $5000. He wanted to know expiration date to verify my account. I said shouldn't you have that already, he said yes but needed to know from me to verify he was talking to correct person for this account. I told him I wasn't interested and hung up. ***Don't give him any info about your account number or expiration date, that isn't how true banks verify your account.*** Plus the only company who can reduce your interest rate is the actual bank or financial business where you got the card.