They want to help you lower your credit card debt. Not calling from any of your banks, just third party buttinskies.

They are telemarketers scamming credit card holders. They claim they will get your interest rate reduced, but one piece involves opening a new card to roll over balances, and one involves closing the accounts to pay them off within 5 years. I am sorry they got my mother's maiden name and last 4 SSN, then told me they would lower my interest rate and only charge me $1500, which is a deal because they tack it on to the card at the end.
Reducing interest rates and rolling card balances over to 0% for 12 months is something I can do myself. I don't know if they pulled my credit, will watch carefully.