Called today.  Haven't had one of these in a while. Calling me Ms. Lindsay. Saying because I owe $10k or more in credit card debt they can lower my interest rate. I let him go through his whole speech for a minute. When he finished he asked how much debt I had. So I said 1, I know this is a scam 2, I don't have any credit card debt 3, I don't have any credit cards PERIOD. He got offended and said "why would you say this is a scam" and hung up on me. I guess they gave up on using "Rachel from Card Services"! Clearly another area code I need to block...