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automated service called and asked for me to press #1 to speak to someone about lowering my interest rate once I pressed one i spoke to a live person who asked if I would like to lower my interest rate on my credit card and I proceeded to tell them I have no credit cards because I’m only 16 yrs old and the person who I **sume was a man said “if you’re 16 then that means you have a shave less ****y right?”