Took a while to hear anything - sounded far away - heavily accented voice - couldn't understand - when I said pardon me they cut the connection.

The same low interest credit card offer.  Starts off by saying he is calling from Mastercard - VISA.  Well, since it is individual banks that issue credit cards, not some central Mastercard - VISA office, I knew it was a scam of some sort.  When the bad grammar became more apparent I just hung up.

Credit card consumer advocate called with caller id of (250) 980-3438 with same offer of reducing interest rates on credit cards.  Could hardly understand him and he said he would call back.  2 minutes later called back showing a (647) 288-1289 area code id and went through the spiel. I told him I would not give any information over phone and that I would check out their info and call back if I wanted to pursue anything.  He gave me a Alberta area code number (403) 648-9228.  I could not find these numbers on reverse directories so with what they are asking for it would be wise to rebuff them. This guy gave the name Oscar Smith.  Nice non-descript name for a guy that speaks english with a heavy east Indian accent.

Got a call from (250) 980-3438 telling me they were going to reduce the interest rate on my credit cards - my visa and mastercard. They obviously had no idea if I have a credit card, and if so, which one it is. (They're hoping you'll tell them). When I asked them who they were (several times) he rambled off the name of several banking institutions, hoping that I'd recognize one and trust him. WHAT A SCAM! He also told me that he was calling from CCA. I asked him what that was, and he kept repeating CCA. CCA. I finally asked him what those letters stood for and he said Credit Card Advoctes. I told him I was NOT interested and hung up on him.
He had a very thick accent and it was really hard to understand him. There was also lots of talking voices in the background, like if he was in a crowded telemarketing center.
I will be reporting this number and adding my phone number to the do not call list.

Call received originally from (250) 980-3438. Heavy background noise, sounded like a very busy room with many voices talking. Caller's voice partly muffled, like he placed the phone piece against his mouth. A male caller first spoke of my master card account, how it was paid on time and at an interest rate of 18%. He tried to ask me if I wanted a lower interest rate and said a few other things, but it was quite muffled. I asked him to call back for a better connection. He did, that phone number he called from was: (647) 288-1289. Again the same bad sound and background noise. He asked me if I was interested in a lower interest rate, but said other things that were muffled (again).

I asked him for a telephone number and I could call him back. He gave phone # (403) 648-9328. I called that number and it was not in service.

His information about my credit card was partially true, that I paid my dues on time, but he was wrong about my interest rate I currently have, which I never told him. That triggered a warning that this was not the credit card company I was with. They would have the exact information of my account and most of all, better telephone connection.

Plus, this guy sounded quite unprofessional and all agents for the credit card company are trained, this guy was untrained.

Be careful, these scams make generalized statements in the hope it fits your credit card account. Never give information out when someone calls you, always ask for a return telephone number and a name to call them back. When a return number is given, check it out on line and find out from your real credit card company if they have people calling and making such calls.

Legitimate Credit card companies keep one set of phone numbers. When you get different area codes that span across the country from the same caller, then it is a scam.