Another scamming company that offers you the invaluable service of calling the number off of your credit card company and asking them to lower your interest rate.  You know, the same thing you can do yourself.  I give the phone to my kids and let them talk it out for awhile.  Adding your name to the do-not-call list wont help because these are unethical companies who likely spoof their number.  Ignore them or have fun on the line.