This was Heather, Rachels girlfriend from Card Holder Services. First call I've received from Heather although her reputation preceded the call. Unfortunately this was a robo call to my cell phone which is a first for either Rachel or Heather. Now I get to file to complaints, one with the FTC and one with the FCC. When I got home I also had a call on my landline from 971-220-1787
that showed a caller ID of Lower Interest. Just checked my voice mail and found that it was Heather's girlfriend Rachel offing me a lower interest rate on my credit card. That means two complaints to the FTC and one to the FCC. Wonder if they want to try for four not that it will do any good.