I am so tired of getting these calls. Starting pushing the button to talk to a representative and then blowing a whistle in their ear. If the calls do not stop, I am getting an air horn.
THANK YOU for your serious and in-depth post about these and similar scam calls. You have confirmed many suppositions I have made and illustrated with useful references and suggestions. I know it must have required a lot of research and time on your part. It is appreciated!
Called my personal, private cell # 9/12/2012 at 6:57pm PST. I picked up; a recorded female voice came on saying, "This is Rachel with Cardholder Services..." At that point I simply hung up.
If they only want to lower your interest rate why wouldn't they remove your number when requested and when their number is blocked, why would they call you from another number? There can't be a company so stupid as to think that you can harrass someone into taking their product. And why would they bother to call someone who doesn't use/have any credit cards over and over again? Who are thses asshats really?