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.

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

Called today from them, they were "calling about my visa or mastercard". I said which one? They said whichever one you have. I said who are you, where did you get my number and take me off your list - I do not want telemarketing calls".
Unbelievable.

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.

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.