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One of my favorite things to do is mess with scammers who call me. I've done it for years and it always makes me laugh. I'd like to share with you one call I got this morning:
It was the ol' "We're going to lower the interest rates on all your credit cards scam," classic!
So I press 1 and get connected to the same guy I always get connected to and by same guy, I mean I think it is the exact same guy I always talk to when I decide to have fun and talk to these people. Let's call him Tim, but just remember Tim has a bit of an Indian accent.
Tim: In a tired voice, "Hello, how are you?"
Me: in a tired voice back: "I'm good, how are you?"
Tim: "Good, sir, our records indicate that you are entitled to lower interest rates on all your credit cards, which card do you use the most?"
Me: "I use them all equally. I use a different card for each purch..."
Tim: "Ok, which card is your favorite?"
Me: "My Vida " (prounounced vee-da) "card is my favorite."
Tim: "Good sir our records show that you have made all the payments for the last 6 months."
Me: "Yes, I have."
Tim: "Can I get the card's expiration date?"
Me: "You're the credit card company, don't you already know?"
Tim: "We do, but we need it from you to confirm."
Me: "Oh! Ok, I don't have my cards with me, can you hold on for a minute? I'll be right back." I set the phone down on the counter in the bathroom, take a personal, flush, wash my hands all of which I'm sure can be heard on the phone. "Hello? Hello?"
Tim: "Yes, sir."
Me: "Ok, I'm back. I have all my credit cards, now."
Tim: "Ok, which card would you like to lower the interest rate on, Visa, MasterCard?"
Me: "My Vida card."
Tim: "Oh good, Visa, is it Chase, Citibank..."
Me: "No, not Visa, Vida V-I-D-A, it's issued by the bank of Kowloon. It's a looks just like a Visa card but it's a Chinese knock off. I can only use it at a convienence store near my house, but it's my favorite because they let me put a picture of my cat on it."
Tim: "Sir, what cards do you have?"
Me: "Other than my Vida? Oh, I have American Express, Diners Club International, MasterCard and Visa."
Tim: "Okay American Express..."
Me: "Yes, but that's a charge card, you aren't interested in that, there isn't any rate to lower, can we get back to my Vida card?"
Tim: "Your MasterCard, or Visa cards, are they Chase, Citibank..."
Me: "No, I told you, all my cards are issued by the Bank of Kowloon, it's a small Chinese bank and my favorite card is the Vida card because I like the way it looks the best, and I'm excited because even though it's my favorite it has a 30.25% interest rate while my other cards have like 1.5% interest rates so can we talk about the Vida card?"
Tim: <click>

I swear, I almost lost it when I mentioned my cat picture on the card. Sorry for the length of the post but I hope it made you guys chuckle! Stay gold pony people!