Automated call from "Card Services" offering to lower the interest rate on my credit card. SCAM!!! Your credit card company does NOT call YOU and offer you a lower rate. Of course, once I got to a person, she had no clue which credit card I have. She says generic things like, VISA, Mastercard, Chase, Bank of America in hopes of getting someone to think this is legitimate. She also had no clue I have NEVER paid any credit card interest. Why would I need to lower the interest rate when I have never paid interest to a credit card? She claimed to have access to my Experian credit history. Since I have a credit freeze with all three credit bureaus, I don't even have access to my Experian credit report unless I pay a fee and give a code to unfreeze it. I highly recommend everyone freeze their credit with Experian, Equifax and TransUnion. The correct term to use is "freeze." That way, no one can open an account if they get your personal information. 800Notes needs to ad "SCAM" to the call type drop down list.
Automated call from "Card Services" offering to lower the interest rate on my credit card. SCAM!!! Your credit card company does NOT call YOU and offer you a lower rate. Of course, once I got to a person, she had no clue which credit card I have. She says generic things like, VISA, Mastercard, Chase, Bank of America in hopes of getting someone to think this is legitimate. She also had no clue I have NEVER paid any credit card interest. Why would I need to lower the interest rate when I have never paid interest to a credit card? She claimed to have access to my Experian credit history. Since I have a credit freeze with all three credit bureaus, I don't even have access to my Experian credit report unless I pay a fee and give a code to unfreeze it. I highly recommend everyone freeze their credit with Experian, Equifax and TransUnion. The correct term to use is "freeze." That way, no one can open an account if they get your personal information. 800Notes needs to ad "SCAM" to the call type drop down list.