don't forget the one where they call with the automated URGENT message regarding your account. nothing is wrong with it, but time is running out for you to lower your interest rate. Just press 9 and speak to someone about lowering your rate. This is also a big scam. The number that has called me most recently is 785-464-5745 and I have turned them into the no-call registry and also have pressed 9 and told them to quit calling me. These people also want your credit card info and they do NOT work for your credit card company.