They called about credit card reduction for all my credit cards I ask the lady what credit card company she work for. SHe said she work for a credit card reduction company, I ask her whats the name of the company she works for. She said IRB, Then I ask her if she could Email some more info about the interest rate reduction then she hung up on me. I called the number back and and its no good they are trying to get your credit card AND Bank info from you so they can steal your identity and you money and probably open you some new credit card account so they can party some more while you work your butt off.