Account Services is the Company's Name.
They promiss to reduces your interest rates down to 6% or lower.
They need a active credit card with available credit.
They charge a $995 and get your visa APR % lower once approved.
The Once Approved and $995 fee bugged me. I ask for a number to call back so I could think on the deal. They would not give me a number and told me "What's there to think about" " You want to save or not."
"Account Services is the Company's Name." More like the gang's street name. ;^)
They also call themselves, "Card Services". Of course, when you aren't a real business, you can change your name with every phone call if you like.
These very aggressive callers are nothing more than a criminal operation. Not a "crappy company", not an "unethical business". They are lying, thieving thugs.
Rarely will you see me speak in such absolute terms. But these folks are dirt, and belong in jail.
By the way, I'm glad you are learning. Proactive people such as yourself are the only thing that can really put the scammers out of business.