This company calls offering to lower your interest rates. They've called just about everyday this week. When I ask what bank they represent, they keep repeating "Card Member Services, it's on the back of your credit card." I believe this is a company phishing for personal & credit card information for credit fraud. They just hung up when they realized I was no fool. When I tried calling them back, I got the message that the number had been disconnected. Yet, the number is what shows up on my caller ID when they call!