Though it is natural to be curious about such calls, the Better Business Bureau advises people to ignore the calls or let them go to voicemail - and then delete the message.
Here's how the scam works: Your phone rings and you see your name and phone number pop up on caller ID.
If you answer, a computerized message claims to be able to lower your credit card interest rates, which of course, means they will require your credit card number.
In some cases, consumers are informed they can supposedly opt-out of future calls by pressing "1." People who do so can count on receiving more calls of this nature from other telemarketing firms.
Any action consumers take tells fraudsters that a phone number is 'good,' and that number is added to phone lists which scammers then sell to other scammers.
In any case, these promises of lowering your credit card interest rates are not legitimate.
Per FTC rules, telemarketing sales calls with recorded messages are generally illegal unless you have given the company written permission to call you.
Some prerecorded messages are permitted - for example, messages that are purely informational.Should anyone receive these calls or has questions or concerns, they are encouraged to contact the Kentucky Office of the Attorney General at (502) 696-5300.
Information provided by Trooper Corey King
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