Got an interesting spam call last night. The caller ID said Capital One. I answered because I'm currently having an issue with them (not credit card related). They guy (with a very heavy accent-not the that means anything) says he's from "card services" and based on my Experian credit report, I'm eligible to reduce my credit card interest rate.
I hung up because: 1) I don't have a CapOne card; 2) my credit reports are frozen; 3) Credit card companies just don't call out of the blue and offer to lower your interest rate (particularly in a rising rate environment with increased delinquencies); and 4) my interest rates are immaterial to me because I never carry a balance.
So looks like a new (to me) fishing scam...