Who called from 2188016454

When they call about "lowering" my interest rates, I let them talk for a bit and then I tell the woman the creepiest voice I have, "WHAT ARE YOU WEARING?/  ARE YOU WEARING SILK??  I REALLY LOVE SILK."  This results in an immediate disconnect 99% of the time.

It was the usual recorded message from "Rachel of Cardholder Services"

The scammers who are doing this operate beyond the reach of the law.

I type the filthiest insults I can think of into Google Translate, and when the POS answers after I press 1, I simply place the phone on the speaker and hit the speaker icon so Google Translate reads what I typed aloud.

Got a call fomr this number this morning, for once I looked at the display on the phone, did not recognize  the number, did not answer the phone and no voice mail message was left.

Rachel at card services about current credit card rates