same thing as above.. it sounded like a really crowded call centre.. they were offering me a lower interest rate. i just hung up on them. they keep calling.

Caller...heavy accent, very hard to understand, tried 5 times to understand the name he gave me, (still didn't get his name), lotsa background noise, (call centre?), wanted VISA credit card information and interest rates on the card. He also wanted to know how many other cards I had and what the interest rates on them were. Said he was calling from Calgary but caller ID showed (250) 980-3438 which is a BC area code. I kept telling the caller that I was not interested but he got quite annoyed that I didn't want to lower my interest rates and kept insisting that I provide him with info. He claimed to be a "Consulting Company" calling people who pay off their credit cards on time and therefore deserve a reduced interest rate, "if interest rates on the cards were 15% or more". He knew my wife's last name and 1st initial and my address so I asked how he got the information. He said from the phone book. I told him to remove our number from their list and not call again. I then hung up.

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.

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.

Recieved call asked for me, said they could get my interest rate reduced. Asked for Card info, told them my wife has it in city. He said his name was Mark Dennis,(had an asian accent). His says the company name is C.C.C.A. (Credit Card Consumer Advocate) And also gave phone number. I called back fithteen minutes later and got a busy signal. Entered business name on Google, didn't find a company with that name, or acronym. The acronym doesnt even come close to the Credit card consumer advocate.

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