Someone called about reducing my credit card rate to 6.9%. I listen to there offer. Kept trying to get more credit from me . I gave them y American Express and one Visa. I ask was there a fee and first they would avoid the question and sad someone will call you back ad explain. When they called back, I had already called to check on the company name and where they were based. They promised to lower my apr on my American Express and could not. And then proceeded to the next credit card and was just asking about balance transfers. I know which card offers me 0% and I did not need there help for that. He proceeded the tell me to do that and also that he still thought I should pay them 862.00 for his help. I said why should I pay for your service when you did not do what you said. I said I am hanging up I will call you if I need your help. He continue with all kind of ways he would be helping me. He kept calling me back all day and I went online and found this. I called my credit card company to warned them of any charges from this company. I don"t believe this will end easy.