I spent the first few years of married life in a battle with charities, phone scammers and cold callers.

all wanting to talk to my mother in law. I had every tactic used, they spoke to her the day before, they were family (even had one trying to say they were my Sister!!! yeaaaah that went well ;) )

took a coupla years but..

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as to cardholder services... the do not call won't stop them. they are a scam outfit that operate out of rented offices that the cops have been trying to shut down for years... law? whats that? ...oh you have won a cruise..... or the shops are full of insert season clothes here, so have these coupons to claim... sound familar?

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tho I DO like the ones that ring up and try to scam me into tech support for my PC .... I haz fun there....