SCAM! This number constantly calls, today I finally pressed 1. A middle eastern man comes on the phone and tells me that he represents Barclay, Bank of America, Capital One and Wells Fargo. He goes on to say that he can lower my rate to less than 6% because I always pay more than the min and I'm always on time, is that correct? I say yes, he then asked for the expiration of my Visa or Mastercard and how much I owe. I responded "Shouldn't you know that?" He then gets pissy and tells me "Do you want to lower your rate or not?" Needless to say I don't. He actually hung up on me. How stupid do they think people are?