http://www.youtube.com/v/XPTitWWw6js?version=3&f=user_uploads&app=youtube_gdata A recorded message from ‘Rachel’ at ‘card member services’ tells consumers they can lower their credit card rate. For some in the US, getting the telemarketing calls to end has been no easy task, consumer columnist David Lazarus says. Read his column at lat.ms See the article here: Beware of ‘Rachel’ calls