This is a scam. All they can do for you is *ask* your card issuer if they'd lower your rate and you can do that yourself for free. Issuers have raised rates for many who were current on their payments (lots of complaints on the net) so why would your issuer lower your rate? This is the classic advance-fee scam. They get a fat fee up front, ask your issuer, your issuer says no, and they vanish with your fat fee in hand.
I answered after several calls over the past few days went to message machine and left no message;
recorded message said it was about my credit card accounts and that my offer for lower interest rates was going to expire and it was my last chance to get lower interest rates so I should press 1 to speak to an operator. I thought about it for a second, realized they did not mention my name or the name of any of my credit card companies so I became suspicious and just hung up; Apparently, I was spared the time waste that Suzi (who made a previous comment) endured ... they'll probably call back even though they claimed, "it was my last chance".
I got a call from this company today. The said that they were with Visa services and said that they can lower my interest rate on my card. Seeing that I was ay 14%, I said okay. They wanted my cc # an I hesitated but I gave it to them since I'm protected anyway from unauthorized charges. They then had someone else call me back within 30 minutes. The second call came from 805-357-1666. They said that can lower my rate to 6% so I said sure. Then he quickly mentioned that there would be a $1200 charge for the savings...He went over that part very quickly so I had to stop him and ask what for...He said that's their fee. I started asking more questions such as the name of the company, his name, where they are located + mentioned I would like to think about it all of which offended him and he turned nasty by belittleing me for having revolving debt on my card so I simply hung up. Would like to know who these people are. They are very shady. Be careful.
This is a scam. All they can do for you is *ask* your card issuer if they'd lower your rate and you can do that yourself for free. Issuers have raised rates for many who were current on their payments (lots of complaints on the net) so why would your issuer lower your rate? This is the classic advance-fee scam. They get a fat fee up front, ask your issuer, your issuer says no, and they vanish with your fat fee in hand.
The US is full of unsophisticated consumers who continue to get fleeced by these scams. I get five or six African banking scams per week.
Don't give your credit card number to anyone and don't fall for the African bank/airplane crash millions for you scam. The phone number location is a fake.
If you don't bite, pretty soon these guys will have to go back to herding goats.