Robocalls from Rachel are back and they're more tricky than before. Just when we thought that “Rachel” from Cardholder Services had left for good, she's back. “Rachel” is a female robo-caller who continues to call residents offering them the opportunity to lower their credit-card interest rates. However, according to the BBB, “Rachel's” offer to lower your credit card interest is false. Intead of lowering ur rates your offered an interest reduction in exchange for hundreds of dollars; making it a scam.