I spoke at length with a phone representative who offered to lower my credit card interest rates to 6% and confirmed he had access to my credit card balance. I told him to lower my interest rate and thanked him for letting me know. He was confused. I am not sure this is a telemarketer or someone phishing for credit card information. It is either a telemarketing nuisance or criminal activity. I asked for the name of the company and was told "Credit Card Cardmember Services." So, it is a scam. It is either a bait and switch by a telemarketer, or someone trying to steal credit card information.