They're charging you for something that you can do on your own (negotiating a lower interest rate for your credit cards). So in one sense, it's "legit" (not counting the autodialing DNC #'s)...in another sense, it's an easy way to rob a bank since people get charged anywhere from $495 to $1995 just to lower the interest rates.
Starts with, if you want to lower your card rate to 6.5% press 9 on your phone now.
I asked who they were representing, he replied with, "We'll get to that in a minute."
Then I requested to be removed from their contacts list, and of course was rudely hung-up upon. They are obviously trying to get your credit card #, just beat them to the punch, since they will not listen to one's request to be removed, and hang-up on them!
I hve gotten this call twice now. Both times Rachel says she is from Visa or Mastercard and can lower my high card balance. When I tell her I pay off my credit cards monthly, she hangs up. Today, I tried to call back but the call won't go through
I received a call from rachael at card services. I opted to contunie and was forwarded to a live rep. I spoke of my fear of scamming and the rep indentified the org as DHC Financial Services website http://dhcfinancial.com/ call back number 877-debtok2 I have filed a complaint with the FCC
First when I answered there was an automated message asking me if I wanted to lower my interest rate to 6% and if the answer was yes, to press #9 for a person to talk with. I did this and a woman named Rachel asked me if I owed more than $10,000 is credit cards and I answered her then she proceeded to tell me if I pay all my cards on time for the next 6 months she will co-ordinate a program with my credit cards to lower the interest to 6%. Right away I was cautious because I always pay my cards on time and I have also delt with 2 reputable companies for debt consolidation and I knew this was not the way to go. When I said that I was on the 'do not call' list and pls. do not call me again, she hung up before I was even finished with that sentence. I also tried calling back that number and could not get through.