I got a call from this number today. He kept asking me if I had a visa or a mastercard, then asked for my expiration date. When I wouldn't answer he got mad and started rambling about how I'm missing  big opportunity and started mentioning every company possible that issues credit cards. When I demanded he tell me the name of my bank or my full name he wished me a good day and hung up. Definitely a scam. I've been called by my bank before and they have always had some form of security verification / have never demanded information/ always had correct and up to date information.

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.

The call sounded noisy and the guy was with the Asian accent. Said he is from RBC Visa Bank but by unprofessional approach you could say immediately that they are a bunch of criminals. Avoid be questioned just seek answers.

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.

I got a call, they left a msg sounded like a crowded telemarketing room

Sounded like a crowded calling centre in Pakistan. . .claimed to be "Expert Consulting Company" calling people who pay on their credit cards on time and therefore deserve a reduced interest rate of prime.  They then requested the credit card info for the card I wished to  have a reduced interest rate on claiming that they will negotiate a lower interest rate with my credit card company.  I hope no one falls for this scam!