THEY  CALL AND PLACE YOU ON HOLD. WHEN SOMEONE FINALLY ANSWERS THEY ASK A SERIES OF QUALIFICATION QUESTIONS. THEN ASK FOR THE LAST 4 DIGITS OF YOUR CREDIT CARD NUMBER FOR VERIFICATION. THEY COME OFF AS CREDIT CARD SERVICES BUT CANNOT VERIFY WHICH CARD COMPANY THEY ARE CALLING FROM. THEY WILL SAY THATT THEY ARE OFFERING LOW INTERESTS RATES OF 6.9%. DON'T GIVE ANY OF YOUR DATA TO THEM, THIS CALL BACK NUMBER IS BIGUS AND THEY CALL EVERYDAY. WHEN I FINALLY SPOKE TO A REP, SHE WANTED MY CARD NUMBER, WHEN I COULDN'T PROVIDE IT SHE HUNG UP ABRUPTLY.