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“Hi, this is Rachel from Card Services calling about your credit card account.

So, what’s the deal with these calls, and why won’t they stop? The FTC has shut down more than a dozen of these “Card Services” companies — including one this past June and yet another in July. and overseas use the exact same recorded message by Rachel and friends, running a scam to — supposedly — reduce your credit card interest rate. Don’t press 1 to speak to someone — or to be taken off the call list. And never give any of your financial information, like your credit card or bank account numbers. Tell us what happened: visit complaints.or call 1-888-382-1222. If you press “1,” you’re connected to a scammer who will ask for your credit card number and other personal information.

But there are lots of other companies, and new ones pop up often. An active operation can make millions of calls — so that’s why Rachel is still calling you. We use your complaints to investigate these scams so we can shut more of them down. They’ll make promises to lower your interest rate permanently — sometimes to a ridiculously low 0% — but charge a fee that can be as high as $5,000. There are no guarantees for permanently lowered interest rates.

And it’s against the law to charge a fee up-front for these services.

Most people who pay the fee don’t get a lower rate — in fact, they get into worse debt, and may find unauthorized charges on their cards.

In many cases, these companies charge you for things you could do on your own for free.

They might open a new card with a low introductory interest rate, or tell you to take advantage of your credit card company’s existing hardship programs.And they often use shady tactics — like telling you to stop paying your bills, lying to your credit card company so that you qualify for a hardship program, and not telling you that you’ll have to pay additional fees to transfer a balance.If you follow that advice, you’ll be in worse financial trouble than ever. I answer because I'm not sure if it's my husband calling from downstairs.If you need help settling credit card debt, check our article to learn about your options. And if you need additional help, consider contacting a legitimate credit counseling service. I have gotten many calls from people asking me to take them off our call list.I feel the pain and sometimes they just don't believe it's not us.Yes, you can call your own land line if there are multiple phones connected to the same line.


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