DO NOT GIVE THEM YOUR CREDIT CARD NUMBER. They will say they are going to lower your interest rate. They will recite your first 4 numbers of your credit card to you. Then they will ask you to recite the last 4, and the expiration number. Then, after 20 min of them trying to convince you they are legit, they will transfer you to a Financial Expert, who will ask for the middle four numbers of the credit card they promise to lower rates. Best to not even answer their calls and block the number from future contact.