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You receive a pre-recorded call from someone who says you qualify for a program that will help you lower your interest rate and pay off your credit card balance sooner.All you have to do is pay a fee, enroll in a program, and the company will work to lower your credit card interest rate.If you give up your credit card details, the scammer can use the information to make fraudulent charges on your account.

If you log into your online bank or check your credit card balance, the scammer can get your username and password.As she finishes up her degree in English and editing, she spends her free morsels of time rock climbing and hiking.If you catch her inside, she is likely reading poetry, painting, or eating loads of dark chocolate.The move has taken place over several months, with credit card issuers sending out new cards over a period of time rather than all at once.Scammers, posed as credit card issuers, email consumers warning that the cardholder must update their personal information before they can receive their new chip card.

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