Called and said he was with the interest rate department of Visa and Mastercard and that I qualify for a lower rate. Would not answer direct questions for what company he worked for, when I asked for his name, and when he started giving me his phone number his voice broke up on the last four digits, twice. The number he gave was 615-988-???? which wasn't the caller id that came up.
I got the same thing. Promised 3% on interest rate & the 1st year was 0% on interest. Asked for number on back, expiry date & the 16 numbers on the card. That is when i said "I dont think so"......