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If you want information on this scam and the people behind it I recommend checking out these websites:
http://onthespotblog.com/the-hunt-for-rachel-at-cardholder-services
http://www.dslreports.com/forum/r26458611-Scam-Card-Services-relentless-phone-calls-revisited
These people are nothing more than common criminals with with a complete disregard for the law and they have no reason to be civil.
"lower your interest rate " if you give them your credit card info first
Initially there was a prerecorded call from "Ann" asking if I wanted to lower my interest rate. The only option to choose is "1" to speak with a live representative, a "David from the Qualifications Department". I asked to be removed from their list and he hung up.
Credit card services.
Wanted me to press 1 because it knew I was csllong from a smart phone