"I just received a live call on my cell phone. The nice lady identified the company as ?Cardholder Services? and we went back and forth on the name of the company before I understood it was not only the kind of company but also the name. They will lower my credit card interest rate to 6.78% if (a) currently above 10% and (b) have valid debt over $4000 and (c) have active credit balance. We spent time discussing my meeting the qualifications. Then she wanted my credit card account number. I said I?ll be glad to call them back or sign up on the web but to me they are just a phone call and I don?t know who they are."