I took a call for my wife and the caller, David Roy (heavy Indian accent)(Manitoba area code - but) and he tried to engage me, insisting he would reduce our Visa interest to 6%.  To make a long story short, after many questions from me that he never answered  I ended up talking to his supervisor Brad Martin(also Indian accent) by which time I had accessed this site (consumer credit advocate - user feedback). I started reading the responses (didn't let him interrupt) and asked if he would like me to read him several more.  Of course he said no and that shut him up and he hung up.I suspect they are actually calling from India but it doesn't matter.  I still don't know exactly what their scam is but that doesn't matter either!  Try the above for a giggle or just hang up on them

I took a call for my wife and the caller, David Roy (heavy Indian accent)(Manitoba area code - but) and he tried to engage me, insisting he would reduce our Visa interest to 6%.  To make a long story short, after many questions from me that he never answered  I ended up talking to his supervisor Brad Martin(also Indian accent) by which time I had accessed this site (consumer credit advocate - user feedback). I started reading the responses (didn't let him interrupt) and asked if he would like me to read him several more.  Of course he said no and that shut him up and he hung up.
I suspect they are actually calling from India but it doesn't matter.  I still don't know exactly what their scam is but that doesn't matter either!  Try the above for a giggle or just hang up on them

They just called me claiming to be Visa AND Master Card... (didn't realize they did business together)  and then told me that because I was so good at paying my bills on time that they were going to reduce my interest rate... FOR THE REST OF MY LIFE!!!  what a DEAL!  LMAO... I smelled scam and hung up and am calling my credit card company now.

Got a call from that # this morning. I never answered because I didn't recognize the #. A reverse phone # search gave me nothing. Whoever it was left a very brief garbled message and it sounded like they were yelling. I then learned that the 204 area code is from Manitoba, Canada where I know absolutely no one. I was receiving calls of this nature a few months ago but from 2 different numbers. This is what I pay for an unlisted # for? I did however, report it to Bell Canada.

Here is the so-called scammer's website
http://consumercreditadvocate.net/index.html
we should do something to overload their servers.

got a call from the same number today...claimed they were my credit card company...said that they were going to decrease my interest rate to 6% and when i asked what my interest rate was before and he hung up...this is a scam...dont give them any detail