GET SEVERAL CALLS A WEEK EVEN THOUGH I HAVE ASKED THAT THEY STOP CALLING.  WHOEVER IT IS, THEY HAVE MORE THAN ONE PHONE. 503-902-8480 IS ANOTHER. THE CALLS ARE COMING FROM SALEM, OREGON.

"lower interest" is a criminal conspiracy, lying to you that they have more authority to lower your credit card interest rate than you do, if you pay them. report them to the FTC at donotcall.gov. It is illegal to conduct  automatic "robo calls" as they do.
Some people play along with them and when they ask for your personal information, simply say I've got to get it, or there's the doorbell and just lay the phone down. Sometimes after a few minutes of no conversation you can pick up and say I'll call you back, what is "your home phone number".

A scam to lower your credit card don't believe them

I am on the National Do Not Call List.  Why and how can they keep calling?  Are they above the law?

Answered call and got a broken message about lower credit card rates. Thanks to all for some great ideas about handling telemarketers in general. Will try some of them for the calls that will surely come in the future.

CREDIT CARD SCAM, . DO NOT GIVE THEM any real info.
Ask them for their address and phone #, and caller ID. then listen to them LIE. Use the followqing procedure on all telemarketers;
Listen a moment ask them to hold while you get your credit card, then just leave them on hold.perhaps come back and say you are still looking, ect.  

They do not represent your credit card co. e-mail a complaint to the state of Oregon (source of 503 calls)  at the following,   consumer.hotline@state.or.us      
then call FCC888-225-5322 for their e=mail complaint. (takes too long to file it over the phone-belive me)

Didn't recognize the number so didn't answer.  Not surprised to see they are scammers with tons of complaints against them.

This is Rachel/Heather/Other Lying Name from Cardholder Services. I tied them up for 16 minutes and 45 seconds by pretending to go look for my credit cards. Instead I set the phone down on speaker and went back to work while they waited and wasted their time.

Left a message a partial message which was similar to what "Brandon" described above.  

I am on the DNC list but that doesn't stop them.  The DNC program is a waste of taxpayer dollars since the government does virtually nothing to enforce it.

Anyone who answers and pushes a number per their instructions is (according to these scammers) negating the DNC program by establishing a relationship with them, e.g., "you contacted us by pushing 1; we didn't contact you..."

they call me all the time have no credit card they are sick in the head

I want these people to STOP calling me.  They call all the time.  It is a recording saying it is Rachel with Cardholder Services.  I have called the number they give to call them back and asked them not to call and they just hang up on me

Love it.

"This is Credit Card Services calling to lower your interest rate on your credit cards.  Press 3 to stop receiving these calls.  Press 1 to talk to an operator."

I pressed 1 because I wanted to see what they said.  First they asked me if I wanted to lower my interest rates, so I said yes.  Then I asked her the name of her company.  She said "Credit Card Services."  I said 'that's not a company name' at which point she stumbled around a bit then said "We represent Wells Fargo..... um, Bank of America....,   um.... um.... Wachovia."    (Interesting, I don't think Wachovia is in business as Wachovia any longer).

Anyway, then she asked me how much I owe on credit cards.  I said "What is the physical address of your company?" and at that point she hung up.

LOL.  I didn't have anything else to do and I'm glad that I wasted a few minutes of her time.  If only we could get EVERYONE to do this, maybe they'd give up and go away, but I doubt it.

No question they are SCAMMERS and I hope no one here has gotten fleeced by these people.   Scumbags!

Love it... great ideas and I'm going to do that too!  :)

These people are complete idiots.  Haven't had a credit card in 25 years thanks to a nasty divorce and an ex- spouse who totalled my credit.  You can't get lower inerest rates than "cash only!"

on * march- "tired of these calls' listed a group of scam numbers; like him, I have been keeping a list so I don't answer if the number calls on my CID. Here is my list- don't bother to answer as they are rude and have no business with me and I am on the no call list as well. These numbers are scams, political,reseach,trips,surveys,collections,kidney donations,telemrkt,diabetes,TRIKON,timeshares,Vertex,muslims from outside the US,boiler room ops,or no answer
770-508-7905     678-601-9999
623-282-3207     770-489-2903
855-275-6398     866-277-4144/4620
856-470-2169    919-310-6105
480-535-5714     919-316-2106
214-383-1316     206-397-1113
253-236-2020    202-499-1485
360-633-4006   360-633-4006
702-705-5222   206-397-1126
602-926-7354   209-220-1908
213-333-3206   310-599-9211
800-272-9448   404-567-4559
213-289-9006   701-920-9550
212-375-6323   646-467-6665
877-696-8597   954-588-6746
877-849-2372
800-277-1062

have no idea about this person or persons, V03271138580140 is what is in the caller ID

Didn't answer, b/c we "supposedly" are on the dnc list.  But, Caller ID said it was from "lower your interest rate" or something like that.

Obama ? What is he doing??? Funny stuff right there! But, these folks (a** holes) are scammers...I answer in an Indian voice and say " hello, this is Habib" when they start the sales pitch I continue " it was great seeing your mom have sex with a camel" pretty much will get you cussed out and hung up on....

same recorded message from same "Rachel" person about lowering interest rate....same voice as on the "Credit Card Services" and many others

Getting calls from this number all the time and am on the no call list

11:43 AM today, March 24,2012 received call from 503-902-8477.  Caller ID shows number and "Lower Interest" as the ID.
Just as most of you have discovered being on the "Do Not Call List" does NOTHING to stop the "Robo" calls.
I am not only on my state list but also on the federal list, so will someone please tell me just who these lists block?

I heartily believe these lists are a total waste of taxpayer monies.

Now will go and report to those list caretakers about this call....FED UP with the waste of tax dollars both state and federal, the do nothings that aren't earning their pay!!!

Just called me and I was on hold for like 10 minutes waiting to talk to somebody when i did I played a message and once it was over she hung up wont be calling me back at all I also saved the number to my cellphone and labeled it as "Robo Calling B******s" So I will know who they are if they call my cell phone

Sounded like a fat black lady I asked who her employer was and she said get a life and hung up.

They call our home at least 5 times a day.  We are on the do not call list.  The ID says "lower" interest"

I'm receiving calls from that # also.  I've pressed 3 numerous times but it doesn't work.  Have called them back to ask them not to call again and get rudely hung up on.....imagine that

02/29 1119 GOT A CALL FROM THIS NUMBER AS WELL AS ANOTHER THAT IDENTIFIES AS PACIFICTEL (COMMENTED ON THAT NUMBER AS WELL). CALLED...DID NOT ANSWER....DID NOT LEAVE MESSAGE

Called @12:50 3/20/2012 I didn't answer but next time I might just answer and play some muzak for them, see how long it takes for them to hang up.

Please file a complaint at

http://complaints.donotcall.gov

called many times.  Wants to lower my interest rates.  Final notice, press three to do nothing or one to lower interest rates. I pressed one, nothing.