I received a call the other day. I picked up the phone because it was flashing Discover Card on my caller ID. They represented themselves as Discover. I do not have their phone number. The caller was foreign and difficult to understand. stated they could lower my interest rate to 1.6%. They would work with Discover. I said can you guarantee that rate when I receive my statement. Then he put his manager on the line. We went round and round. I was upset. They knew my balance and when my payment was due. They already knew my interest. I called Discover Card and had to change everything. My card and account number. I did call Discover and discussed the call with them. Told consumer they do not have that type of a call center. They never called back.