An automated message comes up and saids press 1 if you want to lower your interest rate.  I pressed one and then a live person answered and asked if I pressed one to lower my interest rate.  I said yes.  He asked if I had at least over $2,500 in credit card debt.  He also asked if I have at least one card that is over 8% interest rate and at least one card that is not maxed out.  I said yes. He asked for my name.  I gave him my first name, then asked him who he was calling from.  He said Universal something.  I then asked him if he had my information on the screen already and he said no.  I told him that I did not want to give my information if he did not already have it pulled up on the screen.