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.

total scam hang up and report phone number to the police and anyone you know.

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.

I had the same thing happen. I mean if the credit card company wanted to reduce my rate because I pay off my credit card in full they'd just do it. They would also know the information they are asking for. And they always ask for confirmation question to make sure it's them. Plus they are asking for more then one of your credit cards, this means they are NOT with the card issuing company and they can't possibly be from your credit card company. Also, did a reverse look up and it's a land line in British Columbia, Canada it appears to be through Telus. Obviously NOT a REAL call center! THIS IS A SCAM BEWARE!!!

Somebody called me from (250) 980-3438 on Feb. 08/10 9:50am in Calgary telling me that I owe 100K on my visa and asking me about my and my husband’s visa statement. After I told that I don’t know my husband’s statement and that my statement shows $0 balance they hung up on me.

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!