Reduce my credit card rate! Asked if my Master credit card 'started' with 5217. I said no! Indian or Pakistani accent said you sure? YES. "Well what then? I said you called me, you tell me! Then he starts talking with someone in the background about what to do next! I hung up. By the way, I have no credit cards just be use the environment now is ripe for ripoff! Caveat Emptor!