They called me this morning too saying that they are going to lower my credit card interest rate. It was a Russian-sounding guy and he kept asking me for the middle numbers of my credit card. It really sounded legit at first but being a skeptical person, I asked questions and eventually broke him. I told him that I wasn't comfortable telling him some things due to scams and then eventually he broke and started cussing. Of course I knew he was a fraud then b/c customer service do not do that.