Message about "lowering my credit card interest rate." Total SCAM. Perhaps he was looking for credit card numbers to use. He said he was looking at my credit record, so I gave him a bogus credit card. Came back with "what is the expiration date?" I told him, Let's do it this way; since you are looking at my records, you give me the expiration date and I will tell you if you got it right!" He said "one second please while I get that" and the line went dead. I love wasting their time (when I have the time) before I report and block them.