The FTC warns that unsolicited calls offering to lower a credit card’s interest rate are commonly scams. Scammers use pressure and scripted “relief” pitches to get consumers to pay for nonexistent debt- or rate-reduction solutions.

The FTC Consumer Advice alert explains that scammers frequently impersonate “credit card relief” services by calling consumers with promises to lower their credit card interest rates. These pitches are often unsolicited and designed to create urgency, with fraudsters claiming they can secure a better rate quickly if the consumer acts immediately. The FTC notes that legitimate attempts to reduce interest typically involve verifiable, consent-based processes—while scam offers are structured to redirect money to the骗子 instead of actually changing account terms. A key warning is that consumers should be skeptical of any offer that suggests there is a shortcut to reducing interest that does not require normal account review or direct involvement by the credit card issuer. The FTC also highlights common red flags: pushy behavior, requests for payment or personal information upfront, and claims that the caller can “fix” the credit card outside normal channels. For consumers who receive such calls, the FTC advises avoiding payments to unknown third parties and taking steps to verify offers through official, issuer-controlled methods rather than acting on unsolicited instructions.