BEWARE!!!  Another b.s. call from Card Member Services. Not Rachel.  Or Heather.  The robo-recording was a little different so I listened to see what this particular scam involved.  I stayed on the line to mess w/ them.  The number (spoofed?) is listed online (nuwber.com) as several members of the Sahadeo family - Esther, Khamwatie E, Stephnie Caroline, and Ravin J - all at 7735 Covedale Dr., Orlando, FL.  The guy answering had an Indian/Pakistani/Middle Eastern accent/dialect. At first, his name was Ariel.  Later it was John Gill. He told me that Experian reported that I am responsible and pay my cards on time (I was late recently, and twice) and because of that my profile was eligible for a rate decrease from over 10% to 6%.  Then he said he could reduce my interest rates on all my cards to 0%.  I asked what process they use to convince Citibank to GIVE me that 0% interest rate.  He said that THEY are the company that issues the cards TO Citibank and other banks.  He claimed to be both VISA and Mastercard.  (what a load of...)  I asked if they had a website to sign up on, to upload info or perhaps a form to fill out and email back. Something secure. I said that I didn't know him/them and had never heard of the company's name.  He tried like crazy to assure me that he wasn't a scammer and that giving him my card # would be perfectly safe.  You know...because you're not responsible for fraudulent charges made to your card.  I could tell he was getting a little aggravated with all the questions; some repeated because he wasn't actually answering any of them.  Once he felt like he was losing me I got transferred to another guy who sounded like a local.  I had already wasted about 13 min. so I decided to get back to work.  Hung up.  They called me back 7 times from "000-000-0000".
I was really curious to see how their 'process' works.  How do they get the rates lowered?  What's the cost? Dude never mentioned anything about a charge for their services.  I guess I didn't mess w/ him long enough.  Maybe they don't tell you that until you (foolishly) give out your card number and they can charge you whatever they like.

I just got the call about half hour ago and it was difficult to understand if it was a woman or a man, said its name was Depleted Geedia or something like that, child like voice, stammering duhduh. This person sounded like a lunatic, the way it talked and strange phrases used. It was pretty obvious to be a scam and I just hung up, then added the number to my blocker. I just don't have the time to waste with these stupid people, trying to figure out their scam, life is too short!

"Credit card services" BS call telling me I can have a rate reduction on my VISA card (which I don't have) I asked him "ok whats my current  balance?' ... seemed surprised and told me " Cannot share that information with you I said .."Ok I will have your family killed in New Deli" He ...then hung up

Stated he could lower my rate on all my cards. Even though he needed information, I asked if his mother ever taught him a lesson not to be dishonest. After that, he hung up stated that I would report him to the County Sheriff's Office. When will they ever learn?

The usual scumbag scammers.