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Reduced rates for credit card debt
Lower interest rate
credit card rate reduction
What I have started doing when I get one of these calls is to press '1' to speak to a live operator. Then, when someone comes on the line and asks if I'm "responding to the offer to lower my credit card interest rates" I scream at the top of my lungs right into the receiver and then hang up. Can't be a very pleasant experience on their end. I'm contemplating getting an air horn to save the wear and tear on my vocal chords.

my wife used to get calls like these. yes we have an air horn it is right here besides my phone. old days it was a whistle. nowadays air horns seem louder and better. it is amazing as too how soon your phone stops ringing unless it is family or friends. yes i love hitting 1 to get a live person soon as i hear a voice it is bammmmm here is an air horn for you LMAO. it feels good to have regained my phone back. Dollar stores carry them btw.
Credit/debt services