Have called me several times over the last few weeks stating I qualify for lower interest rates on my credit CARD- not cardS. When I ask which CARD, they (multiple "reps." on multiple occasions/calls) ramble off every big name credit card (visa, master card, discover, etc, etc.) . When I ask what company they are calling from & which card I specifically qualify for lower interest rates on, they basically repeat the list & have not once been able to reference any of my accounts specifically. Not able to provide any info related to any of my actual credit cards. I've told them each time no thanks, & that I'll contact my creditors directly to lower my interest rates & they continue to call.