I answered a call from 1-302-764-5921and it was a recording from "Rachael at Card Services". It said to press 1 for info so I thought I would confront the person and tell them to put me on their no call list. A young man answered and asked if I wanted to lower my interest rate. When I told him about the recording and mentioned Rachael, he quickly hung up on me. I get this same call on my home and cell phone. I even tried pressing the numbered button they tell you to press if you no longer want these calls, but that does not stop the calls. This same call comes from different phone numbers. I called it back and got a recording that said that this number has been disconnected. I have both of my phone numbers listed on the Do Not Call List but that doesn't seem to stop these calls either. I would love to hear that these people have been caught and charges filed against them.