If there weren't idiotic brain dead people falling for that crap, telemarketers would go out of business. Unbelievable that there are so many clueless idiots around. They fall for the fake PAL and other scamming charities, as well as pigeon drop scams, pyramid scams, and countless other scams that only a brainless idiot would fall for.
 Sep 25th, 2011
I'm getting sick of these unsolicited calls from Card holder services
 Aug 31st, 2010
Pre-recorded message to lower credit card interest rate. Prompted me to call them at another number.
 Aug 26th, 2010
If you're on the do not call list, make a complaint with them. If you're not on it and want to be, go to You can register your phone numbers or make a complaint about a number that is calling you. Let's shut these guys down and make them pay, doing it the right way.
 Aug 26th, 2010
Offer from a scammy credit card provider
 Aug 24th, 2010
I answered and pressed 1. Was connected to some douche bag who I then annoyed for a while before he hung up me. Can't wait till they call back. Total scam don't give them any info.
Not Buying It
 Aug 24th, 2010
This number appeared on my cell phone at 10:38 a.m. this morning. Whoever called me didn't leave a message. I used a landline to block my number and called the number back, but it went straight to voicemail. I smell a scam going on.
 Aug 21st, 2010
"Rachel" and her best pal "Heather" are the two most famous fictional call center reps in history. This spring the FTC froze the assets of three firms running this scam: AMS, PDMI, and Rapid Reduction. They all made pretty much identical calls fronting as "Card Services" or "Financial Services" and soundalikes, using these faux female identities to vaguely promise lower credit rates. From the FTC press release, anyone biting the hook and sending these bums hundreds of dollars for "services" found later that "... the defendants sent consumers instructions to pay down their credit card debts early, thus saving money on interest."

I remember my parents and friends getting these calls from Clearwater FL, and as soon as that sham went public similar calls came from other parts of the country. It appears from the volume of similar complaints I'm reading this summer that the FTC could do some more whacking with its mole mallet.

To be fair, there are so-called credit consolidators that will negotiate better rates on a customer's behalf. They are legal, but deceptive all the same. A consolidator collects a percentage of whatever savings are yielded, for doing nothing different from what an account holder can do for herself by contacting the creditor herself by phone or mail.

The Heathers and Rachels are pulling something far more devious, selling what are possibly the nation's most costly tip sheets of common knowledge. That's assuming they don't go further to drill for personal details and commit identity theft. Please be cautious with these phantom women when they call.
 Aug 20th, 2010
Received a call from a women calling herself Rachel. She said she was from Cardholder Services. Call was a soliciation to reduce my credit card rate. I did not respond to the call. I simply hung up.
P. B.
 Aug 20th, 2010
Did some further research on this scam:
Cardholder Services, A.K.A. Account Services, Merchant Services, Credit Card Services. Possible address: 2202 Curry Ford Road, Orlando, Fl. 32806. This may or may not be current. One online poster claimed that state investigators trying to track down these sleazebags found an empty building instead. At least several posters think they may also be connected with United Debt Solutions, 1567 Kingsley Ave, Orange Park, Fl. 32073 (Possible phone number: 904-541-3081) This company is an eighteen-carat fraud-mill and currently under subpoena by several state Attorney General’s departments. If they are contacting consumers under “Cardholder Services“, it is almost certainly in violation of a restraining order as well as numerous state and federal statutes. The list of consumer complaints and rip-off reports on these scum is almost endless, avoid them like the plague!
Mr. B.
 Aug 14th, 2010
10 calls in 4 days, no voicemail left ever.
 Aug 11th, 2010
This is an identity theif/credit card # theif caller.
 Aug 11th, 2010
left no message on cell
 Aug 10th, 2010