As I've mentioned a few times previously, I've made a sport of wasting these folks time every single time they dare call me.?ÿ This afternoon's episode was both entertaining and enlightening.?ÿ?ÿ
Caller: Is it a Visa or a Mastercard that you wish to lower your rate on?
Me: Can I do both?
Caller: How much do you owe on your cards?
Me: Probably 50 grand or so....(big bait to hook big fish)
Caller: Which card has the higher balance?
Me: They're pretty much neck and neck...I think one is about $24,500 and the other is $25,500
Caller: How about you roll up your fake f'in credit cards and fake a** balances and stick them......
Me:?ÿ HA HA HA?ÿHA HA HA?ÿHA HA HA?ÿHA HA HA.......You waste my time, I waste yours.
I always assumed they were blindly trolling for credit card numbers.?ÿ Either this guy has a good bullsh** detector or he was looking at a report like a bank or credit card company would use to make a legitimate offer of credit where he could see what kind of cards I have and approximate balances. That's scary considering that I've never given them any info.?ÿ The most they could have from me directly if they combined info from multiply phone calls would be my name and company name (from me answering the phone in a professional manner) and of course the phone number that they contacted me on.
A fun and a little bit scary story. ?ÿKeep ??em coming.
I sometimes have trouble understanding the various foreign accents of the callers but this guy had an accent from India with a bit of a Southern drawl mixed in.?ÿ If he hadn't lost his cool so quick I was going to ask if he learned his English from watching the Dukes of Hazard, or Duck Dynasty.?ÿ ? ? ?ÿ
I don't think they know much about you.?ÿ I played along a while back and then told him the balance was zero which was true.?ÿ His hang-up click was instantaneous.?ÿ He must not have known that.
Are they really selling re-financing or are they phishing for cc numbers to charge falsely? Don't know.
I had a guy call me a couple of months ago wanting to work on my credit card debt or something.?ÿ He then said he had my credit report in front of him.?ÿ I told him that if he had that information, he needed to tell me what my name was.?ÿ He came up with an excuse.?ÿ I asked again.?ÿ After about 5 minutes of me walking up and down the office hallway saying, "What's my name?" he finally said he had it, and that my first name was whore, and my last name was jackass.
?ÿ
HAHAHA.
When they ask if you want to lower your rate, the hang up if you ask any question or tell them you don't have a large balance.
I usually tell phone scammers that ants live under my tongue. There's usually a few seconds of silence, then I hear the click. Very effective.
