just got a call from an Indian man saying I could lower my credit card % rate. When he asked for my expiration date and full number and I asked him how I knew he was really from a company wanting to lower my rates. I told him I would call him back and he said I COULDN'T, THAT I MIGHT GET SOMEONE ELSE. Then I asked him another question and he got quiet and I hung up....grrrrrrrrrrrrrr