Odd phone call re: APR

[Anonymous]

(231) 751-9081
MI, USA

Labor Day. Answered. Robot lady "this is account services…calling about lowering your interest rate to 6.99%…press 1 now…this is your last notice" gave a WHAAAAAT? Look and the phone auto hung up. 

My scores are subprime. An unbelievable APR for me right now is 17%. WTH IS IS?  Caller smart stated it as WI Survey.

[Anonymous]

Phishing scam.

[Anonymous]

1.  Love the dead plant.

2.  Reported to the DO NOT CALL List.

I am on the Do not call list, and given they called prior to 8am, from Wisconsin or Michigan - depending on which search you use - it was a fraud call.  Found on the FTC Site that there was/is a phishing scam about the same thing, APR redux.  Got their info, posted it, and blocked caller - though it is easy to generate phone numbers via technology these days.

[TheConductor]

If not a phishing scam, which is certainly a possibility, it may be cold-call telemarketing for a debt consolidation lender.

Any time I have allowed a balance of any notable size to report on my CRs, I've received mailers using much the same tactic: on the outside they have the bland and business-like look of an official mailing from one of my credit cards' account services departments, and on the inside is a consolidation loan offer at an attractive APR.