I'd just like to query the hive mind here. I don't usually diary so if this is inappropriate, I'll delete it.
This afternoon I got a cold call from "Card Services." Press "9" to speak to a representative about lowering your credit card interest rate.
Okay, I'm game. I pressed "9" and waited for the friendly representative. Do I carry more than $5K on my cards? Yes. Which CC companies? Chase and BoA.
Slow down. Tell me about your firm. Not affiliated with the CC companies. Not consolidation or debt relief. Now I'm scratching my head. Sure I want lower interest but this sounds off to me. Follow the money. What's in it for the CC companies?
How much do I owe to which companies? I'd rather not say. "Fine! Enjoy your high interest." Click!
I'm leery of giving out more than the most rudimentary information over the phone to an anonymous entity who contacts me. Is "Card Services" legit? Or hinky?