this was a very rude (India sounding) man trying to lower my credit card rates. When I proceeded to tell him that I don't have any credit cards, he got all mad and pretty much called me a liar. And said that everyone has at least one credit card! (I really don't have any credit cards.) He told me he would be laughing at me in bankruptcy court! The worst part about this was the fact that he was USEING THE PHONE NUMBER OF A PERSON THAT LIVES LESS THAN 10 MILES DONE THE ROAD FROM ME!