Geezus !!  Is this "credit card interest reduction"  scam STILL around?  Is there ANYONE who doesn't recognize this for EXACTLY what it is - a criminal activity ?  I'm glad to see that there are "posts" here that recognize that fact.  I see NOBODY reporting that they have been victimized by this con game.  That's encouraging !  Keep up the good work, i.e. reporting these criminals, and warning the rest of the world about them.  And, refusing to be taken in by these "semi-slick" foreigners.  The "system" depends on the willingness of its'victims - continue to refuse to be one !