Recognizing a credit card scam

It's no secret that credit card companies can be annoyingly persistent on the phone. Josie Mack said her 86-year-old mother Frances Beckley was being called at least once a week by the same caller. Each time the woman on the other end said she could lower the interest rate on Beckley's credit card then relentlessly tried to verify her card information.

The red flag was the fact that Beckley doesn't own a credit card.

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