These people keep calling saying they can lower my interest rate on my credit card. It's always a recorded message, usually saying "This is Rachel from Card Services. There is no problem with your account but..." something about lowering my interest rate. Then asking me to press 1 to speak to a representative and sometimes, but not always, "press 3 (or some number) to be removed from our list." I still get calls. I've told them to stop calling me, they still call. I've told them I'm going to report them to the BBB and FTC yet they still call. Someone needs to put these people out of business.