These people keep calling me.  I told the guy who answers the phone that I don't want to be called anymore and he just hangs up on me.

I don't answer calls from numbers I don't know.  This group always leaves a message about lowing my interest rate.  I don't use credit cards so I've got nothing to lower.  My guess is they are SCAMMERS.

this is card services I do not owe anyone they call daily

These losers keep calling in spite of me asking them not to and in spite of my phone number being in the do not call registry. Tonight, I asked them again to remove my number and the schmuck actually said no! Flat out refused, then hung up.

Telemarketing is an industry that should be destroyed, with extreme prejudice. Telemarketers are scumbags and scofflaws. Were they to be put out of business, lose their jobs, their houses, their cars, their families, and end up cold and hungry in the gutter, I would take great delight in seeing them run over by buses, dump trucks, trolley cars, etc.

This is a phishing scam, no credit card /bank will contact you over the telephone to amend the credit agreement you have with them. This would only be done at a local branch or through the mail (not e-mail) where  you receive documentation to read and agree to or refuse, and then sign or call to confirm. The obvious example is the "Change in Privacy Notice" you receive in your statement now and then, if they do this with a document this simple they will certainly do any modifications to credit agreement the same way! Financial Center? Whose finances?