These people called and played a pre-recorded announcement identifying themselves as "Card Services" -- which happens to be the payee name of one of my credit cards. They were vague in that they were calling about a letter that I "might or might not receive" telling me my rates were going up, and if I wanted to talk to someone about being exempted from this increase, to press 9. I pressed 9 and waited for a long time for someone to come to the phone. A man finally came on and said "and you are calling about lowering your rate?" I said "I'm wondering who you are -- are you from one of my current credit card companies? Who exactly are you?" I was extremely nice during this, because I still wasn't sure, and he swore at me and hung up.