They call all the time and I do not answer. I decided to answer today. It is a recorded message stating that you need to talk to them about lowering your credit card interest rates. They tell you that there is not a problem, but you are running out of time to lower the interest rate "Please press 9 to talk with a customer representative about lowering your interest rate." I did it. When they answered I asked them who they were with..I was rudely asked, "Lady, what are you talking about?" I said you called me what credit card company are you with? She then told me she was with Visa/Master Card. I asked her to remove me from her call list and she said No and hung up. Is there nothing we can do about these calls? This is crazy!!!