Just got this phone call. Message was automated from "Rachel with Cardmember Services.There is currently no problem with your card, but it's important you contact us immediately about your eligibility to reduce your credit card rate."

So basically: Spam.

It was "Rachel". They called this morning. I got to speak with a woman. She was nice, but said I didn't qualify. I played a xxx movie close to the phone while she was on. She probably stayed on the phone longer than she usually does. Love messing with these people.

"Rachel" from "Cardmember Services" is a recorded message.  At the end of her spam, I had a simple question: "Which card?"  Happily, I was offered to press "1" to speak with a Live Representative!

It rang maybe 8 times, before I got through. And once the dude got through *his* spiel, I asked that question.  His response was that he didn't represent *any* card, and that the "credit bureau" had forwarded my call to him.  I pressed again, urging that the call *I* received specified that there was a particular card in question, but did not name it, that all I wanted to know was which one.  Eventually, they ended the call.  THEY hung up on ME.

So, there was some major scamming being attempted there…

They called me didn't leave a message and then called me again and left a message saying it was "racheal" and I need to call immediately because I am elliagble for to reduce my credit card rate

Same deal, I asked which bank they were with and got hung up on.