Be wary of offers to lower your credit card interest rates
Customer service representatives may not be calling to help you
Avoid coronavirus schemes
× You can still lower your interest rate and do it for free. Here is how: Call your credit card and ask directly for a lower rate. Look for the customer service number on the back of your credit card for the correct number to call.
× Just be careful if you use a search engine to find the company’s website. Make sure it the official website and not a look-a-like site a schemer created.
× A big red flag that it is not a legitimate customer service hotline is if the representative asks you to wire money, send gift cards or wants your password to resolve a problem.
× Hang up on robocalls.
× Ignore emails from the Centers for Disease Control and Prevention (CDC). It does not email people directly.
× If you gave out personal information and suspect it might have went to an impostor, × visit IdentityTheft.gov to learn how to protect yourself.
× Also, file a compliment with the Federal Trade Commission if you get suspicious calls, emails, texts or offers.
(Kens5) Photo: Getty/Peter Dazeley