It IS fraud.

Dave,Don't waste your money on a cell phone if you think it'll stop these calls.  I get just as many of these stupid calls on my cell as I do on my land line.  I have a feeling that many of these companies just blind-dial all the numbers (i.e. 0000-9999) in any given prefix they know is associated with a given city, regardless of if it's related to a land line or cell.

Some guy with an east indian accent called to inform me that he wanted to lower my interest rate. I asked where he was calling from. Arizona, he said.  I informed him that I was on the no-call list. he hung up.

I'm in Ottawa. It was an automated message saying "this is Lisa calling about your credit card. There is no problem, it's just to notify you that your credit card company has now qualified you for a lower interest rate as low as 6%. Press 9 to be connected to a representative." there was no mention of which company which screamed scam so I hung up. I tried calling the number back to see if it was blocked for incoming calls or if it would connect to a company. Turns out that identical automated message qualifying people for the lower rate is also on the incoming line. It went directly to the automated message with still no acknowledgment of any company.

Yes a company claiming my credit card company wants to lower my rate.... lol right..  No mention of name.  I wish I could find out who does this and show up at thier door.  Really why are the police not all over this  come on coppers  do something rather than pulling over people for no reason.