Like many people, I’ve been getting periodic calls from someone identifying herself as “Rachel from cardholder services” offering to lower my credit card interest rate. Never mind the fact that I haven’t had a credit card for a while now.
For the first few months I’ve just been ignoring the calls or hanging up right away. They usually come from out of state, California, Delaware and Florida seem to be the most common, so ignoring the unknown number is simple. Lately, however, I’ve decided to take a bit more active approach to dealing with them and picking up the phone.
This is how the call went…
9:15AM: Incoming call from 209-249-1930 (Caller ID says Manteca, CA)
[Rachel] Hello. This is Rachel from cardholder services. There are no problems currently with your account but it’s important that you act fast in order to reduce your interest rates. Please consider this your final notice (if only that were true). Press 1 to speak with a representative now about lowering your interest rate.
[Me] (press 1)
I wait a few seconds, then “Shawna” picks up…