A company that is using the name "Credit Card Services”, is calling people claiming to be able to lower the interest rate for consumers.
They call you (for me it was a unsolicited phone call) or email you and say that they "work with over 200 or 500 banks such as Bank of America, Citibank, and Chase; then state they can offer you lower interest rates on your current accounts" (not with a new account). They ask similar questions:
1) Do you have current balances of at least $3500?
2) Are all your cards in good standing currently?
They then proceed to ask you which card you would like to start with, to "see if you qualify". Nice way to make you feel like this is an exclusive offer for only the privileged few.
I asked them why they needed my account numbers, and if they are working with banks like mine, why they didn't already have my information. They continue to insist that they need to verify my card number to check the balance to see what kind of “lower rate": I can obtain. Then they claim a supervisor will contact me with the lower amount and verification number. When I insisted on their phone number and ability to verify who they were, I was told they needed information first and that there was no worry as the card info could not be used without the security code on the back (YEH RIGHT). Then I asked to speak to the supervisor and they refused to allow me to do that without giving up my information. I hung up letting them know that without verification; I was not providing any information.