These people say they work for "Card Member Services" out of Wilmington, DE. They instantly asked me how much I owe in credit card debt. I asked them a few questions, like:
1. If you say you can lower my interest rate, shouldn't you know how much I owe?
Response: We work with over 500 banks.
2. Where are you calling from?
Response: our headquarters are in Wilmington, DE
3. Where did you get my name and information?
Response: We have several places we get our information from.
I then told the lady that I don't owe anything on credit cards and to remove me from the list, and she promptly hung up.