SCAM! I received a call stating they were card member services and they were contacting me in reference to lowering my current credit card interest rate. The first question the woman asked was " do you owe $3000 or more on my current credit cards?" I replied with "NO" and she hung up on me. I tried to call back the number 240-560-2853, but the number would not accept incoming phone calls. I can only assume this is some type of scam.