Scammin' Sam

Just had a call from "Sam," claiming to be from MasterCard and, due to my excellent credit rating and years as a customer, he can offer me a "low, low" interest rate on my MasterCard.

Conversation, as close as I can remember it (or understood it; his Indian accent was very thick and we didn't have the best of connections):

Me: Well, shoot, Sam, that is awesome news!
Him: Now, to be safe, I want to verify I'm talking to the right person. Are you John ****?
Me: Yes.
Him: Are you at postal code ****?
Me: Yes, I am.
Him: Great, great. Now I just need you to verify with me a few points about your account.
Me: Well, hold on a minute, Sam. You know, there are a lot of scammers out there. I don't want to get taken for a ride, if you know what I mean. Do you have my account information up?
Him: Yes, of course I do. But I can only do so much. My job is only to verify you are who you say you are. I need to transfer you to a secure account representative.
Me: I hear you, Sam. But if you have my account info up, we can quickly verify a couple of things and then I'm all yours. I can't wait to have that new low, low interest rate, Sam.
Him: Great, great... let me...
Me: So, Sam, can you just give me the last four digits of my CC number?
Him: I cannot do that, Mr. (butchers my last name).  I could lose my job for giving out that information.
Me: Oh, I'd hate for that to happen, Sam. But there are scammers, you know, and the CC company and the police are very insistent that we verify who we are talking with, Sam. Can you tell me the interest rate on that account?
Him: You have a very high 19.99 percent interest rate Mr. (butchered again). We can offer you a low, low rate of between 3.6 and 12.99 percent interest rate...
Me. Hunh. You know, Sam, not that I don't believe you, but it is odd that you have my information right in front of you and yet you have the wrong interest rate. It's kind of odd, Sam, don't you think?
Him: I'm looking right at the screen -- it says 19.99 percent!
Me: I want to make sure I'm looking at the right CC and we're on the same page, here, Sam, so why don't you verify the last two digits on the account. What can two digits hurt, Sam?
Him: I could be fired. The secure account representative can help you with that; my job is only to verify that I'm talking to the right person.
Me: I hear you, Sam. I understand. But there are scammers, you know? Maybe you could give me just the last digit, there, Sam? You've got a one in ten chance of being right, even if you guess.
Him: How can I be a scammer, Mr. (butchered again)? I know your name, I know your postal code, I know your phone number.
Me: Well, you see, Sam, all of that you could have gotten from a phone book or online. It's not that I don't trust you, but I just have to make sure, Sam. Scammers, you know?
Him: But I know your name, your postal code...
Me: And it is really strange that you say my postal code is ****, since my MasterCard isn't associated with my current address. It would have a different postal code. So, you see, Sam, I'm just having trouble believing you're looking at my data, Sam.
Him: But how could I know...
Me: I tell you what, Sam. I'm going to hang up with you and I'm going to call my bank and verify this deal of yours. If they released my data to you and agree I'm such a great customer, they should be able to tell me all about it and give me that sweet, sweet deal you've been telling me about.
Him: This deal is through Mastercard, not your bank. Your bank cannot match this offer, only we can provide it...
Me: Buh-bye, Sam.

The best part is that I kept him on the phone for quite a bit of time, so that's a few more people he couldn't call today. I hope he doesn't make his quota on phone calls and