This is not a solicitation call.
We have been monitoring your credit cards for the last 6 months and can offer you a lower interest rate than what you are currently paying. Press #1 to speak to one of our experienced team members who will share with you how this {scam} works.
Sir, I see you pressed 1 for a lower interest rate, before we continue can you tell me the expiration date of the highest balance card you have?
Me: Where are you located?
Call taker: Georgia, Atlanta Georgia
Me: Oh and you are just randomly calling people?
Call taker: No Sir, we are working with Experian to offer their customers an opportunity to lower their credit card interest rates.
Me: Hmm, why is Experian giving out my information?
Call taker: Sir, {caller raises voice} WE HAVE ALL YOUR INFORMATION ON FILE WE JUST NEED YOU TO RECONFIRM
Me: Why?
Call taker: Sir, we want to give you the best rate possible. Now please read the toll free number on back of the card.
Me: hang on…need to put my glasses on
Call taker: Okay Sir, take your time
Me: I put my bifocals on, but the print is too small I can’t see the toll free number
Call taker: Okay Sir, can you read the entire 16 digits on the card to me?
Me: Since you already have confirmed you have my information, then why do I need to read off the entire 16 digits of the card?
Call taker: Its for your security Sir.
Me: Huh, you would think if it was for my security, you would have asked my name at the beginning of the call to make sure I was actually the right person.
Call taker: bhenchod {Indian and Pakistani slang for…well just look it up…its not nice}
Me: Oh, so you’re not in Atlanta Georgia then…mostly likely Pakistan.
Call taker hangs up.
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I got one of these today. They even spoofed a number of some company that allegedly contracts out to Wells Fargo. I suppose they could have SEOd that information into Google, too.