I get this call as well... what they are doing is preying on people to consolidate their debt if it is over $3000..... well we all know about the Sub-prime mortgage mess and how they suckered all those people in.... these clowns are in the same mind set and looking to lock you into a great rate..... remember 1982 when you could finance a car for a slick 21.5%. This is not your credit card company nor should they be considered viable or ethical. They are here to do one thing and one thing only.... confuse the unsuspecting person, reel them in and take them for more that the credit cards are taking you for.
 Jan 31st, 2008
Basically the same as Melissa below, but a) I used to get the same calls from a 207 area code and b) I did press "1" for a customer service rep and was put on hold, then cut off. Also I have entered the number in the do not call database as a complaint. Which, given the current climate, I suspect won't do anything. But it made me feel better.
 Jan 31st, 2008
I get this call regularly. I get a recorded message saying "this is so and so from your credit card company (that's what it name or identifying info) and your account is fine but your time is running out to lower your interest rate. Please consider this your final notice. Please press 1 to speak with a customer service representative who can assist you." I always hang up. They still keep calling. I'm beginnning to believe that it is, in fact, NOT my final notice. I'm more than a little wary of recorded messages with no identifying info, plus it comes up "unknown caller" on caller id. Sounds suspicious to me. And it's definitely annoying.
 Jan 30th, 2008