"Veronica from Member Services". Spoke with a representative with a very heavy Indian accent. Tried to convince me this was not a scam. Said I qualified for a reduced interest rate on my credit cards because I owed more than $3K and I paid on time every month.Said his company was located in Atlanta and gave me an address on "Peach Boulevard". Told him to my knowledge there is no Peach Boulevard. After playing with him, told him I knew this was a SCAM. He started cursing me and then hung up. These folks are just a**holes!