Another day, another bogus call from someone or some scammer whose Caller ID says "Out of area," but whose Area Code actually is in my area. That's always a clue that you should block such callers. My online call-blocking service already had the number blacklisted, and they intercepted the call after only one ring. At this time of the year, calls like this are likely political or fundraising calls, but I guess our great friend "Rachel from cardholder services" could be trying to reach me.