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hello hello this is Sarah of consumer services we're calling in reference to your current credit card accounts there's no problem currently with your accounts it's urgent however that you contact us immediately concerning your eligibility for loan your interest rates test-1 now your eligibility expired today consider this your final notice that's what I'm told while your call is being transferred to the next available agent remember services are reviewed on one I'm doing good are you I do believe that I'm good well thank you so much for asking I do believe that you're responding for the lower interest rates on a credit card story sorry alright now on the basis of it gets quite a bit let me any good to ministry today you have been qualified by the credit bureau Experian sheeran you sound the interest rates on your credit cards because being a good consumer you make your payments on time you know we're mr. levad the payments and sometime you do try to pay more than the monthly minimum payments correct yeah but still the interest rates I see that you're getting charged on your credit cards are running more than ten percent I believe you know that right sorry so they're closer to 20 percent yes sir that's the only reason today you've been eligible to get a lower rate Sony credit card so which card do you have with the major balance right now is that a Visa card or a MasterCard so I can pull up the statements for you alright so the next one I'm going to do for you I'm going to simply go ahead and I'm going to pull out the statements for your Visa card I will let you know there's a balance here on the cards the last payment you made on the account the due payment required and how low rate reduction you qualify for all right perfect I want you to grab your Visa card handy and verify at expiration day on the card when does your card expires for the month and the year thank you though perfect so did you grab the cart a bit have it along water in which which these are work what we're gonna do is at the Washington Mutual like which one does have the major balance right now well both of them but which one specifically did you call about the what the Washington Mutual or the Wachovia weekend drop down the interest rate on both the cards okay well which one did you want to work on first the Wachovia or the Washington Mutual how much would you say you all collectively on both them both of them collectively [Music] all right and both are the same balances like no like they're not a major card I mean like which one has amazing balance among those cards yet probably the probably the Washington Mutual all right so now we will be pulling out the statement for that card could you verify the expiration date yeah I'm so sure I'm sure yeah stop I stopped using the card because they're charging Mariah I'm paying interest on it and I don't want to I don't want to ring up anymore anymore creditor no sir like let me clear you one thing that right now sir you're not talking to any third party we're trying to sell you anything or this is not a bad consultation or a balance transfer call sir right now you're simply getting lower interest rates on the credit card which you already have which we're using right now without any changes without anything sir we are simply here to grab down the rates on the credit card that's less than 6% close to zero like the money which you are losing right now in the interest and then finance charges you can save that money and pay the cards of the than in a faster time sir and today you are being qualified because of your good Fame in history and you got quite a Billy Dee sir all right so could you please certify me the expiration date when does the card expired so I mean it's still I'm still looking for the court I might I might have it in my safe oh I like like can you grab the card I can hold on all right yeah yeah I should I should be able to have it within within quickly I definitely want to get this done today this sounds like a good a good thing all right pardon definitely want to get this done today sounds like a good thing are you like sure on the loudspeaker right now no I'm having a really hard time understanding you know I'm just moving around a lot here me yes okay yeah I'm just I'm just moving around I'm never to move around well I'm looking for my car take your time sir I can grab you a cart no problem there's a Dave & Buster's car that's probably not gonna work I'm sorry as I found a Dave & Buster's card you know David yeah probably saw points on it but I need to cash them in there you stole that can you still hear me yes sir could you please verify the conspiration date on the card well I have to find the card first I'm sorry that's hello I said I have to fight I have to find the card first Oh finding the card all right yeah you don't have any Oh like you asked duel cards right under your name sir correct yeah and how much you say you owe on the both card electively collect I don't know about $25,000 5,000 no 25 I already told you that you should know that if you oh here we go twenty-five hundred on one 2,500 on one there about ten thousand apiece all right oh all right yeah twenty-five thousand total all right twenty-five thousand in total great yeah okay so which card you are right now what do you wanna do the Washington Mutual or you're gonna do the walkthrough mm-hmm yes you're either card yeah and well they're both music cards you want to do the Washington Mutual all right and what's the expiration date on the card which one doing you the mutual yet no okay Washington Mutual card okay mmm-hmm thought you went you see what the expiration date yet okay it's oh five two three oh five to do it three mm-hmm May 20 25 all right and could you please verify me the numbers yeah four zero three four uh-huh four zero I'm sorry yeah hello four zero three four mm-hmm four six six four four seven eight five nine zero that's perfectly mastered the racket sir and are you the primary signer for the cart yes the card is under your name right and what's the last four of your social only the last four digits sir yes sir only the last four digits okay 1 2 8 3 1 2 8 3 right all right and lastly for the five digit billing zip court server receive the bill for the part 7 sedative court 7 7 7 7 I'm sorry it's seven seven zero seven seven zero seven five seven seven zero seven seven right yeah all right I got it sir thank you so much all right all right I got it and what I'm gonna do here is I'm gonna pull up the recent build from my database for the credit card and update with your current balance information sir could you give me about 30 seconds so I can just pull up the bills from my database could you hold on yeah that's fine all right sir and at the back of the card sir at this Visa card you're going to see a 1-800 number or 1-866 at the top of the card the customer service number could you see that yes 188 number I'm sorry it's a yeah it's not 1-800 number it's a one 888 number at that bobster yeah yes it 188 mm huh do you want you need that number I'm sorry I said you need that number it's one eight eight yeah yeah is it you need the number and what's the number sir yeah 1 8 8 8 5 2 4 mm 1283 all right just give me a minute I'll be right back with the bills okay sir just hold on sure thank you this would be great too all over my interest rate can't wait hello are you still there hello what's taking so long am I still on hold yes I'm still on hold [Music] partay hello sir you there hello I have you yeah hi hello how are you great that's right this is Tony yeah one of the Senior Account Manager with cut services okay okay I want you to verify me the card number what is the card number yeah four zero three four four six six four seven zero four seven eight five okay and at the back of the cards you will see one 800 number you will see a 1-800 number one 888 number what is it one I did one eight eight eight five two four one two three thank you no I see you have one more card under your name with the higher balance which one is that a Visa or a MasterCard Visa card verify me the expiration date for that Visa card run as it expires it's a zero five two three zero five what is the inspiration for the a better Visa Card zero five zero five two three duty correct I can order the card number card number is four zero three four four six three zero two five eight one four three nine five okay so both of these visa cards you know are from which bank you said from which bank Wachovia Richard Bank you said Wachovia over you walk over here W ACH okay octo you walk over yeah okay okay well let me just certified it accounts real quick hold on Android back at the back of the card for the Visa card that is ending in four three nine five you will see three numbers on the signature pen a lot of the last three numbers yo you said by the yes ending in four three nine five okay hold on hello sorry we got disconnected I kept intact hello hello hello and there was nobody on the phone okay I just better find me the information the card that is Onegin four three nine five what is the exploration there on this card okay and at the back of the card three numbers are eight eight nine eight eight nine and your date of birth is which did a birth is 10 12 1981 JD if you want our 91 81 okay hold on I'll be right back thank you [Music] [Music] [Music] [Music] [Music] [Music] [Music] [Applause] [Music] what is your first and last name yes what's your first and last name yeah it's a you why you are a how do you I can the last name is Jamal tul yes [Music] [Music] oh you read the back of the card on the barcode you will see a 19 digit number starting with 6 0 3 9 do you see that 19 digit number at the back of the card Visa Card 19 digit number starting with 6 0 3 9 you see that do you see 19 digit you know on the on the barcode do you see a 19 bigots number no no at the back of the card you see the barcode on that you will see a 19 digit number that is starting with 6 0 3 9 [Music] [Music] [Music] hello yes this is your gift cards right what what what does this have to do with Laurie my interest rate why why are we doing all this how much do you owe on their credit cards altogether about $25,000