I beleive this was a scam to get my information. It was 1st a gal...could not understand her, as I think trying to disguise her voice...I stated I could not understand her. Then a guy got on the phone...he said they wanted to offer me a lower rate on my credit card and pay off old balance. He stated that I owed over $3,000 on my CC...which is not even true nor close to what I owe. When I said I don't know where you are getting this information as I do not owe that much $$...he hung up instantly!! Had to be a scam!!