The minimum balance has bounced back to $3500 and they’re touting a 6.9% rate. She was unwilling to discuss exactly how this works before I “qualified” myself, but I was unwilling to reveal my financial details before knowing more about Credit Card Services.
So we went a few rounds…
Somewhat surprisingly, she gave me plenty of contact information:
- Credit Card Services (“We work with [list of big name credit card companies]”)
- Orlando FL
- Callback 888-311-2249 (don’t call it, it’s not a real number)
- Anna Stakovic
- Extension 292
- ID 435
All of it bogus, of course.
Perhaps Anna married into her name, because she has a thick Indian subcontinent accent that wasn’t helped by boiler-room background noise and VOIP dropouts. Correspondingly, I was hampered by a soft voice that often required me to repeat myself, despite speaking slowly and, if I do say so myself, rather clearly.
Anyhow, poor Anna became increasingly frustrated, accusing me of wasting her time and repeatedly telling me that if I was not interested in Lowering My Interest Rates I should just hang up. So I asked her if she worked for the same Credit Card Services that had called me several (dozen? hundred?) times previously; to my surprise, she said it was.
She said that she would “do her best” to remove my number, but that, because she didn’t actually do the dialing, it might not have any effect. That agrees with what I’ve been told before: CCS is actually a demon-dialing front end for other scammers.
She dodged my question about why CCS doesn’t obey the FTC No-Call Registry rules, claiming that she was just qualifying me for a credit reduction, not actually selling me anything. She was unwilling to discuss the relation between CCS and my various card issuers, which might have provided the “prior business relationship” required to work around the rules.
Somewhat surprisingly, she simply wouldn’t hang up before I agreed that I had no interest whatsoever in Lowering My Interest Rates. I eventually agreed, she wished me a good rest of the day, and I suppose we parted as friends…