Gotta love scammers... incoming phone call: This is [your bank] (man a very thick Indian accent) we can lower the interest rate on your credit card, we just need the security code on the back of your card... yeah riiiiiiiiiiiiiiiiiight. When I tell the guy that I'm providing zero information. [My bank] should already have all my credit card information.. he hung up. I guess some poor souls must fall for that junk or they wouldn't try.