"Hello this is Rachel from Cardholder services, calling in reference to your credit card.There are no problems with your account. It is urgent that you contact us concerning your eligibility for a lower interest rate."

How many of you have received a call from Rachel at cardholder services?

If you're like thousands of others, the answers is dozens of times. 

According to the FCC, there were 2.4 billion robocalls per month in 2016.

The FCC  is steeping in and addressing the problem

A new law would allow telecom companies to target robocalls before they reach your phone, specifically calls from local numbers that aren't really in use.

Rules that allow phone companies to protect you are already in place. 

According to wireless provider AT&T,  they've blocked one billion calls on their network alone. 

But what can you do to protect yourself if the robocalls are still coming in? 

Use an app. AT &T offers call protection to its customers. The app blocks known numbers that are fraudulent, spam, or telemarketer phone numbers. You can even manually block numbers. 

Verizon also monitors their network for spikes in suspicious calls. they too recommend joing the do not call registry, they use a database to look for offenders who make calls to your number. 

One tip, if you do answer a robocall accidentally, don't say anything after hello.

If you do, you could be more likely to be targeted again.