Best report
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Oct 30, 2010
This is a scam. All they can do for you is *ask* your card issuer if they'd lower your rate and you can do that yourself for free. Issuers have raised rates for many who were current on their payments (lots of complaints on the net) so why would your issuer lower your rate? This is the classic advance-fee scam. They get a fat fee up front, ask your issuer, your issuer says no, and they vanish with your fat fee in hand.