Got these two calls the other day, back-to-back. What is interesting is that in both cases they are pitching 0% interest rate. This is really uncommon from a bank, unless it is simply an introductory rate. What I thought was interesting was the comment about getting the rate across all credit cards. This does not sound plausible given the nature of the credit card industry.
It would require a lot of work for someone to be able to negotiate 0% rates on ever card type. My guess is that is just a ploy to get you to press the button to speak with a representative.
What I find the most interesting is that they provide no method to call them back, which to me is suspicious right there. Any reputable company would provide a method for you to call them back. So in this case they are simply playing the volume game and hoping out of the number of calls they make they will connect with a small subset of folks over the phone.
Account services with important changes to your account before the next billing cycle.
If you receive recieved your new rates by mail and wish not to be contacted press 3. Congratulations on your excellent payment history and now qualify for a 0% interest rate on all your credit card accounts.
This is a limited time offer an he must respond immediately press one now to speak to our qualification Department and complete the enrollment process.
Disability and discloser act of 2009 requires banks to periodically review credit card accounts because we have been monitoring your accounts and your on time payments.
You are now eligible for rates as low as 0%.
Congratulations to pay off your debt 3 to 5 times faster and take advantage of this offer press one to speak to a live representative.
This is a limited time 0% offer and will expire soon press one now.