So, I just got a phone call from 717-238-5396. It’s an automated call saying that I can save money by lowering the interest rate on my credit card. To learn more press 1 and to discontinue getting calls to press 2. I decided to play along and press 1. Some non-English-as-a-first-language man answers and goes through his spill. I then ask him “Which credit call are you calling about?” He says “Any Visa Mastercard with BOA, Chase, Citi and many other banks.” He then ask if I have any credit cards over 10% interest. I reply “Something like that.” I ask him again “Exactly which card are you calling about?” He replies, “Any card you have with over 10% interest.” I then ask tell him “That’s funny seeing I do not have any credit cards.” He then goes on a tangent about me wasting his time and that I should have pressed number 2 instead of number 1. I told him that his company called me and I just wanted to see what was going on. I asked him how did they get my number and he said that I shouldn't be wasting his time. Really!?!?
The point: This is the 2nd time in 2 years I have gotten this call. If you pay down your debts and your credit score reflects the progress you have made, you will get these phone calls. The last call was slightly different because they were asking me to pay an old Discover Bill. When I told the lady that I have never had a Discover card she hung up the phone.