These people called me today. I answered the phone and it said to press 1 to speak to a representative to lower my interest rate. When the representative got on the line I asked what credit card company she was with. She said Mastercard, Visa and American Express. I then asked again which credit card she was calling from. She said Account Services. I told her I wanted to know the specific credit card and she hung up on me. I think that they are scammers.