Supposedly the LAST CALL TO LOWER my credit card interest rate, wouldn't give me the address, kept telling me to shut up, i recorded the call because they have been calling me ALL YEAR USING UP MY MINUTES AND SELECTING option 2 to not receive any more calls doesn't work, they just use another number. Sounds like from India. I am tired of this and when i called back they would not answer, yes that is an indication of a reputable company, NOT!