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The services offered are vague, "To lower your interest rate... speak to one of our representatives". One time I actually waited to speak to a person and a female answered after abut 3 minutes of waiting. She immediately began asking for my credit card information, to "confirm" my identity. I did not give any info and was disconnected after not complying to her requests.
This particular incident was approximately 3 months ago.
After these types of calls continued I began to record many of the numbers used. Many of these calls, regardless of the number they call from start with the EXACT SAME pre-recorded message (female voice). Now they have started using another recording, same wording but different voice (male voice).
Once I identify a number used by this scammer I enter it into the blocked numbers list with my service provider. Within 1 day of being blocked they call from a different number, and the cycle continues. Hope this is helpful.
Credit card interest rate reduction
WCA Subscriber services/ cardholder services