PDM is a DBA (doing business as) for AMS Financial. I received a call from PDM International, a DBA of AMS Financial, stating that they could lower the interest rates on my business credit cards. I asked "what can your company do that I can't do myself." I was told that because their company has a history of working with credit card companies and because of who they are they have more leverage and that credit card companies are more willing to negotiate with them versus individual card holders. I was told they have a money... read full review »