Why does Rachel keep calling me?  She calls me constantly.  She called me twice in less than a half hour yesterday.  It’s one of those robo calls and it usually goes something like this:  “Hi this is Rachel from cardholder services.  There is no problem with your credit card account but it’s important that you act fast to lower your interest rates.”  And then she’ll tell me to push one number or another to talk to a representative. 

I’m perfectly happy with my credit card.  And I really don’t care what the interest rate is because I always pay my account balance before the due date so I never get charged interest.  But Rachel just won’t leave me alone.

I’m not the only one that’s bothered by Rachel’s calls.  Do a Google search and you’ll see hundreds if not thousands of complaints.

I’ve never gone so far as to actually hold on to talk to somebody at the other end of these calls.  Mostly I just hang up, but some people claim when you’re transferred to a live person they ask for your credit card account number and Social Security number.  Those are some things you should never reveal.  It’s a scam and the Federal Trade Commission is investigating, but Rachel and the people who employ her are tough to track down.

One thing you can do to cut down on the unwanted and intrusive telemarketing calls you get is to add your name to the National Do Not Call Registry.  It won’t eliminate all those unwanted calls.  Tax-exempt and charitable causes are not covered.  The National Do Not Call Registry also allows you to register a complaint against certain callers.

Telemarketers are required to check the Do Not Call list once a month and drop any numbers that appear on it.  I’ve been on the Don Not Call Registry since 2004, but Rachel and her buddies apparently don’t check the list.