So, bad night. Went to the gym early (I haven't been out at 0500 in ages!) Came home, checked ag.com and took a nap. Wake up to ringing phone with local number. Recorded voice says important information about lowering your credit card APR. So, press one and get to a human. He goes into the spiel about such a magnificent interest rate on my account because Experian authorized it or some such crap. And I asked, "which card?" Answer "Oh, your Visa or Mastercard". I said, "Specifically which account is authorizing this?" And the next thing I heard was click! I did absolutely laugh out loud! So, scammers are out there, phising for your credit information. Be aware!