Beware of a company that is using the name "Credit Card Services". They are a total scam. Our local news reported on it last week and it seems to be hitting much of the Midwest (and perhaps other areas).
They call you or email you and say that they "work with over 200 or 500 banks such as Bank of America and Chase, and 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 $5000?
2) Are all your cards in good standing currently?
They have called me twice, and playing along, I went through the phone menu system.
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. Click, hang up.
They have also been circulating emails. Never give out your credit card account numbers unless you initiated the phone call and you know the business you are contacting. If your credit card company truly had an offer to give you lower interest rates (yeah right), they'd already know your account numbers.
Just FYI. It might be spreading to your area.