"Card services" to lower my interest rates. I asked if they were calling about a particlur account of mine, said they work with over 5000 banks, etc. Then asked if I knew approx how much credit card debt I had. When I said, "so this ISN'T about a particular account of mine" she hung up.
Called today while i was out doing chores, my 10 year old answered and was told if we didn't do something with our credit card-not sure which variety- they would call the police. NICE!!!