It's a scam.  Shows (613) 216-2172 "Ontario" on caller ID.  They are tryomng to get your credit card information.  File an online complaint with the FTC here:http://esupport.fcc.gov/complaints.htm

Caller ID says Unknown Name, I called back and it says message box full.  No idea who it is.

Just got a call from these bozos. Shows up as ONTARIO and the number (613) 216-2172.Since we've been getting these daily I finally presses 6 to talk to someone. Apparently we qualify for a credit card rate reduction.When I asked from which bank they were calling, they hung up.This one doesn't pass the smell test.

I get calls from this number 3 different times a day, every day. I finally decided to answer and it was a 60 second recorded messages stating that interest rates on my credit cards are set to increase tomorrow and if I want to lock in a low interest rate, I need to speak to customer service. So I did, I pressed 6 to find out who it was that was calling and to get more general info as to what type of scam they are trying to run. After pressing 6, it connected me to a live "Card Services" agent who asked which cards I would like to lock in low interest rates and the card numbers. My first and only question was "which bank are you calling from?" The guy paused for about 7-10 seconds (I could still hear his breathing and other background noise), and then hung up on me.

Short of having the FBI trace calls connecting to my number, I doubt reporting a complaint with the FTC will do anything since most likely, the (613) 216-2172 number is faked using some sort of Spoofing (see spoofcard.com). The best thing I can think of to do is have everyone ANSWER the call and have everyone connect to the Card Services Agent and then hang up. If no one answers and connects to the service rep, he/she wont be bothered. BUT if EVERYONE connected the call WE would then be the ones WASTING these a-holes time, effort and money. The goal is to increase their operating overhead while wasting their time, frustrating them out of business. What would you do if the thousands of potential customers you were seeking suddenly all returned your call, flooding your system with junk leads and phone hang-ups? Think about it -- it makes total sense.

When the phone rang, at 7:45 PM EDT today, I got a recorded message telling me about President Obama's mortgage assistance plan, and telling me if I wanted and was eligible for Federal Assistance, press "1"The woman who answered the phone had a faint Indian (or similar) accent.  She immediately started into her copy on "would you like to save money on your mortgage?"  When I asked why the US Federal Government would be using a phone number in Ontario CA, she said "I get that a lot.  Why do you say that?  I am in Sunny Southern California!"  I told her that Caller ID had given her away.I then asked which agency she represented.  She said it was "National Mortgage" but was not affiliated with the US Government.  I asked "so this is a private firm?"  "Yes, sir, it is."  I then informed her I am on the National Do Not Call list and did not want to be... well, called again, but at that point, she said "Have a nice day sir" and hung up on me.They call again, I will try to get an address.  Then my lawyer will be talking to them.  He's good.  And a violation of the DNC is a fine of up to $1000 per call, I do believe...

I won't answer if the Caller ID reads "Unavailable," and I don't recognize the area code.  No message left.