In a new scam alert issued by Attorney General Andy Beshear, Kentuckians are being warned of telemarketing calls offering instant credit card relief for a fee. The Attorney General’s office obtained a recording of a call from an agent with “Financial Planning Card Services.” The caller claims to be affiliated with all major banks and can provide credit card debt relief by negotiating a lower interest rate, as low as zero percent. Beshear said these type of calls often end with a victim providing their personal information and an upfront fee to the scammer who never delivers on the deal to lower in the interest rate. Beshear said Kentuckians concerned about their credit card interest rates should work directly with the credit card company to determine if they will negotiate your rates. The Federal Trade Commission’s Telemarketing Sales Rule prohibits for-profit companies that sell debt relief services over the phone from charging a fee before they actually settle ore reduce a consumer’s debt.