If you receive a call from a “credit card company” offering you a balance transfer offer that seems too good to be true, it probably is. The best action you can take is to politely decline and quickly get off the phone.
If a balance transfer offer is legit, the offer should be available online as well. And, when you apply online, you’ll be able to print off the important details of the offer such as rate and terms.
However, the bigger danger of the telephone balance transfer offer is the identity thief posing as a credit card issuer in order to get your personal information. These guys can be very good at what they do; making it almost impossible to know if an offer is legitimate or not. A better idea is to make it a regular practice to never accept a credit card offer by phone and rely instead on secure online applications from reputable resources.
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