This is a scam. All they can do for you is *ask* your card issuer if they'd lower your rate and you can do that yourself for free. Issuers have raised rates for many who were current on their payments (lots of complaints on the net) so why would your issuer lower your rate? This is the classic advance-fee scam. They get a fat fee up front, ask your issuer, your issuer says no, and they vanish with your fat fee in hand.
I answered the phone when this call came in. Automated message said it was a message regarding my credit card account. Press 1 to speak to a live operator. Pressed 1, and it was NOTHING to do with my credit card acct. A person from some foreign country told me I qualified for lower interest rates on my credit cards. Since I already have 0%, I figured it was some kind of telemarketing scam. After questioning him, he admitted he was from a "financial assistance company" who was trying to sell some kind of debt management services. I asked him to put me on their do not call list and hung up. I called the number back (to complain..lol) and a message came on saying "If you do not wish to receive any further calls from us and be put on our do not call list, please press 1." So I did that too. They'll probably call back tomorrow. lol.