Your credit must have really sucked to have 29.99%.

All robo-dialing ?cardholder services? are credit card laundering criminals, also violating TCPA, TSR, and RICO laws.
Any money you let them swindle out of your account is typically siphoned out of the U.S. through foreign shell entities.

I'm not sure what to do....all comments lead me one way then another so I'm totally confused. I need a lower rate but not the hassle of being scammed! Anyone that this has worked for please post.

The call I got from this number is also from Michelle. She is one very busy girl. Never a different name. I have been getting this call for months. I finally answered. I was "passed to James", another very busy guy, as the same name is in the other comments. He was very persistent that I give him my credit card number, "it is safe because they don't ask for the 3 digit code on the back" he said. I asked for a phone number so I could call him back. He couldn't give it to me, he said. I was persistent that I needed a company name. He kept saying it was Bankcard underwriting, the same as my credit cards. I asked why my cc company wasn't calling me to offer this. He started getting very angry with me! When I told him I didn't trust him he said to me..."This is a b***s***!" and hung up on me! I wasted his scam time.

SCAM FOR SURE!!!!  

Voicemail message as follows:  

"Hello, this is Michelle from Card Services in the Underwriting Department.  I am calling on your existing credit card account.  Based on your recent payment activity and balance, you're eligible for an interest rate reduction under our debt management program.  Your account interest rate could be reduced as low as 2 percent.  There's additional information I need to confirm your eligibility, so please return my call directly in the Underwriting Department at 800-606-5132.  Once again, that's 800-606-5132.  This will be the only notice you'll receive, and this offer is only valid for 3 business days.  Thank you."

No company name, just a vague "Card Services."  No specification as to WHICH credit card account she assessed my "recent payment activity and balance" to support her claim that I am eligible for an interest rate reduction.  Obviously just a greedy little troll trying to sell something or defraud in some way.

If the credit card companies were to provide your contact information to such a third party without your permission, wouldn't it be a violation of your privacy and the credit card companies' own privacy policies, not to mention federal law? If you want to have a bit of fun, call the 800 number and talk to Michelle and James, Let them know that if the credit card company provided your contact information to them, that you believe it to be a violation of your privacy and that you believe laws may have therefore been broken. Tell them you need to know who at the credit card company provided your contact information to them. Wait for the silence followed by "click."

B***S***   YOU ARE FULL OF IT NO SUCH THING HAPPENED THIS IS A SCAM

I can't help but smell something fishy here. Sorry.

Received a phone message for this today from the 800-606-5132 number.  I noticed that in reading the feedback all three positive comments are from a couple.  Who sends messages for two people?  The phone message included subtle pressure that there were only three business days to contact company and that this would be the only notice.  I believe the caller, Michelle, named herself as the underwriter.

How many more names do you have?

You shills so often give us the short story long.

No, it just proves that you are shills!

Rough day in the boiler room?  No one buying into your scam thanks to sites like this?  Great to hear it.

How long have you been working this scam, shill? Sites like this make it hard to trick your victims out of money on the phone don't they!

Well, your work here is done, it's back to the boiler room with you now.

Admin Edit: "It's a SUSPECT comment!"
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Lol, I was reading through this as I wanted to be sure this was legit.  Other than the ignorant jerks badmouthing everything in their life it seemed legitmateWe just got our rate on our Wells Fargo account reduced to 7.4%.  This company is legitmate.  Only a bottom feeder scumbag would be searching these sites to market for business.

If somebody tells you to press a number to be taken off of a list, don't press anything. People can hook up to your long distance and make calls that will appear on your bill.
These people called and said, " they could lower my interest rates on my credit cards." I knew it was a scam because we don't have any credit cards. They acted like my credit card company had given them my number. Impossible. The numbers associated with them:
(440) 617-5701
( 440) 617- 5614
(800) 606-5132
( 800) 709- 9925

This caller said he was from the "underwriter department."  Never mentioned a specific credit card name; didn't know our current APR.   Asked us for the name of our credit card company, and that is when we hung up.  A real underwriting department from our credit card company would know the details that this guy was asking for.  Total scam for sure.

Admin Edit: "It's a SUSPECT comment!"
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I received a call from this company and I was skeptical, so I looked online and found this site.  Due to mixed reviews and the fact I desperately needed help with my card as I have been paying on it for years with my balance not budging an inch I decided to call them.  End result:  I have a USAA account with 23,000 + with a rate of 22.9%.  My rate was reduced to 3% and now my card balance is finally going down!  They had been referred to me by USAA.  I had been calling customer service for USAA for months and finally got what I needed.  THANK GOD this happened for us.  Anyone who posts weird or negative posts here, you guys are full of crap.  I am so glad I didn't listen to you.  I am going to post this all over the internet because people deserve the truth, not posts from people that aren't even true.  Oh, by the way, it said right on the front of my statement that I was referred to this company, so I guess that drills the nail the nail in the coffin for all you guys who are skeptical.  Finally our card will be paid off!

Caller was Michelle from Park Services.  If they were from your credit card, they would know more info, especially what card you have!

This is a cold call scammer.  Call someone legitimate like the NFCC if you need help paying off your credit cards; 800-388-2227.  Counselors are certified, honest and will actually help you pay off your debt with very low fees.  No one does this service for free.

Got a call from my credit card company offering me a lower rate, looked this number up as it wasn't the number on my statement, it is real folks, I got 6.9% instead of 29.99. Very happy!! Finally some relief!!!!!!!!!!!!!!!!!!!!!

Admin Edit: "It's a SUSPECT comment!"
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Got a call from this company regarding my Discover account offering me a lower rate, looked this number up as it wasn't the number on my statement, it is real folks, It was a company contracted to lower my rate I got 6.9% instead of 29.99 without affecting my credit or payment history.  I am still with Discover, I just have a lower rate.  We are very happy!! Finally some relief!!!!!!!!!!!!!!!!!!!!!

Maybe the shill will understand this.

On October 15, 1970, the Racketeer Influenced and Corrupt Organizations Act (18 U.S.C. §§ 1961?1968), commonly referred to as the 'RICO Act', became United States law. The RICO Act allowed law enforcement to charge a person or group of people with racketeering, defined as committing multiple violations of certain varieties within a ten-year period. The purpose of the RICO Act was stated as 'the elimination of the infiltration of organized crime and racketeering into legitimate organizations operating in interstate commerce'. S.Rep. No. 617, 91st Cong., 1st Sess. 76 (1968). However, the statute is sufficiently broad to encompass illegal activities relating to any enterprise affecting interstate or foreign commerce.

Hey Shill, does illegal telemarketing mean anything to you? Obviously not.

From the FBI website:
http://www.fbi.gov/stats-services/publication ... -2010-2011#Mass
Mass Marketing Fraud
General Overview
Mass marketing fraud is a general term for frauds which exploit mass-communication media, such as telemarketing, mass mailings, and the Internet. Since the 1930s, mass marketing has been a widely accepted and exercised practice. Advances in telecommunications and financial services technologies have further served to spur growth in mass marketing, both for legitimate business purposes as well as for the perpetration of consumer frauds. They share a common theme: the use of false and/or deceptive representations to induce potential victims to make advance fee-type payments to fraud perpetrators. Although there are no comprehensive statistics on the subject, it is estimated mass marketing frauds victimize millions of Americans each year and generate losses in the hundreds of millions of dollars. The following is a brief description of some of the key concepts and schemes associated with the mass marketing/advance fee fraud crime problem.

Advance Fee Fraud: This category of fraud encompasses a broad variety of schemes which are designed to induce their victims into remitting upfront payments in exchange for the promise of goods, services, and/or prizes.

The predominantly transnational nature of the mass marketing fraud crime problem presents significant impediments to effective investigation by any single agency or national jurisdiction. Typically, victims will reside in one or more countries, perpetrators will operate from another, and the financial/money services infrastructure of numerous additional countries are utilized for the rapid movement and laundering of funds. For these reasons, the FBI is uniquely positioned to assist in the investigation of these frauds through its network of legal attaché (legat) offices located in over 60 U.S. Embassies around the world. By leveraging its global presence and network of liaison contacts, the FBI has successfully cooperated with other domestic and foreign law enforcement agencies to combat, disrupt, and dismantle international mass marketing fraud groups. The FBI participates in the International Mass Marketing Fraud Working Group (IMMFWG), a multi-agency working group established to facilitate the multi-national exchange of information and intelligence, the coordination of cross-border operational matters, and the enhancement of public awareness of international mass marketing fraud schemes. The current membership of the IMMFWG consists of law enforcement, regulatory, and consumer protection agencies from seven countries, including Australia, Belgium, Canada, the Netherlands, Nigeria, the United Kingdom, and the United States.

Despite the best interagency enforcement efforts to combat mass marketing fraud, the FBI remains cognizant of the fact that the only enduring remedy for this crime problem lies in consumer education and fraud prevention programs. Toward this end, the FBI has not only produced its own mass marketing fraud prevention materials, but coordinates on other public information efforts with the DOJ, FTC, and the USPIS, among others. The FBI also supports a consumer fraud prevention website in conjunction with the USPIS which can be located on the web at: Additionally, further information on mass marketing fraud schemes can be found at www.fbi.gov, www.ftc.gov, www.ic3.gov, and www.stopfraud.gov.

Any criminal activity can be reported to the FBI here:  https://tips.fbi.gov
Report it at http://www.fcc.gov/complaints
Report it at https://www.ftccomplaintassistant.gov
People should continually file complaints with their Attorney Generals office.

I received this call and just wanted to see if it was legit.  Hello!  It was definitely real and legit, my interest rate with US Bank was reduced to 7.4% from 29.99%!!!  Maybe I will actually be able to payoff my balance know..lol

I received a call from 800-606-5132 a girl named Michelle.  She said to call back and we could get our credit card rates down to 2%.  I called back and I asked what company they represented and the girl on the line said they represented many credit card companies and mentioned Chase as one of them.  She said that our credit card company had contacted them to get our interest rate lowered so that we could pay off our credit card debt.  She wanted to transfer me to what she called the "underwriter" named James.  I asked if she could send me a mailing with the information so I could look it over and she said she didn't have anything but James might be able to help me.  I asked several questions, what company are you with, she did not identify a company but merely said they represented our credit card companies including Chase.  I asked if they charged extra to lower our debt rate and she said that there were no charges it was just to lower our debt.  I told her I would contact our credit card company directly.   She tried to transfer me to James, the underwriter, but I hung up.  

I believe this is a scam of some sort!  I will contact Chase and other cr card companies to see if they have referred me to anyone else, but I doubt they have.

I received several calls before I responeded. They calim to be American Education Services. This appears to be some sort of third party loan service. They are not working with your credit companies despite the phone claim.

I received a call from this number. I typed it online to check but couldn't find any info. I called them and it was my credit card company offering me a lower rate due to a request I had placed a month ago. We desperately needed this.