Who is Rachel at Cardholder Services?

It appears that Rachel is the nom de computer of credit card scammers who say they can lower your credit card interest rate. This is the newest scam to burn up the cell phone lines with an auto dialer. Similar to the car warranty scam earlier this year, these robo calls dial your cell phone, hit you with an automated pitch and ask you to push "1" to speak with a person (I bet that big tease Rachel never answers).

So the pitch is that this company can lower the interest rate on your card, for a fee, of course. I think it's best to just hang up on them or string them along if you are in the mood to mess with criminal credit card scammers. In any event, you don't want to give them any personal info or your credit card number.