877-288-8855

Received a call at 5:25 AM stating something to the effect that this was my last chance to reduce something dealing with credit.

These people frequently call telling you that this is your last chance to reduce your interest rate on "your credit cards"  they identify themselves as "Card Services" and when you talk to an operator, they can't even tell you what company they represent.  They simply say "all of them"  They couldn't even identify whether it was me or my wife they wanted to talk to.  I asked them to remove me from their caller list (I'm on the Do Not Call List) and they just hung up.