Got a call from these boneheads too. Seems like a daily thing. Sometimes I answer and sometimes I don't and when I do it's either "Hi this is Rachel from card services and there is nothing wrong with your account blah blah blah" or some other nimrod trying to get my CC apr rates down. What crap. Anyone can do that by calling their CC company and asking for a drop in rates, not that you will get it but you can try. This is clearly a scam to get your CC info. I wish there was a way to send a high energy ping back down the line that would destroy their equipment and shock the life out of them.