ED They are really busy because they also justed called me and when I asked what company they were with the line went dead still doing research though to try and find out who it is.

This is Card Holder Services there is no problem with your card but to get a new rate of 6.9% please press 9, upon pressing 9 a teller comes on the line and asks if I want to lower my rate and I say what cards is this service for and immediately the teller hangs up. Tried calling the number back but to no avail (cannot verify country code though as caller ID showed only 331-000-2317).