LOL - I pressed "1" and the guy told me that he could combine all of my credit cards for 0% interest rate as long as I owed more than $3,000. I asked him how he obtained my home phone number since I don't give it out to anyone. He said it is on my credit card account file (which it is not). I then asked him which credit card he was calling on behalf as the message when I answered the phone was "this is card member services calling you to lower your interest rate and we have made several attempts to contact you". His reply - - - he hung up the phone. I then called the number back and was only allowed the option to be placed on the do not call list.