Perky, perky, PERKY, recorded female voice saying she was "Heather" from Chase Credit Card Services and wanted to lower my interest rate. This is so bogus! They've called about a dozen times and I've asked them to quit calling me and that I'm not interested. I think this is some kind of credit repair scam and I don't know why they're targeting me. This is also a huge phishing expedition. They have run a credit check on me which I don't appreciate. Don't know where they got their original info, but am going to raise hell if and when I find out.