It's a scam, automated system calling then when you press 1 some Arabic sounding person says they are calling to lower your interest rate on your credit cards... Then they ask you to tell them what credit card has the highest % APR... Ummm if you're calling to lower my credit APR then you should know this already... When I told the guy on the phone "YOU CALLED ME TO LOWER MY APR, so what card do I have and what's my account #" he couldn't answer and hung up.
*****THIS IS A SCAM X 100!!! BE CAREFUL PEOPLE, HOLIDAYS = CROOKS LOOKING FOR EASY MONEY! *****