Got the "We have made several attempt at contacting you, and this is your last chance to lower your interest rate" from Credit Card Services

For what its worth, I filed a complaint about this shaddy bunch at:https://www.lnnte-dncl.gc.ca/plt-cmp-engYou may wish to do so as well, so at least the government branch who is supposed to controlling these things is aware of this likely scam.

Yup, they called me too. Garbled message but something about credit card rates. Didn't get a return #, recording was too messed up. PIA  - I know it's a scam as we are on the Do-Not-Call-List so any reputable company doesn't call here.
That just leaves the garbage calls!!!

Phone was answered - a recorded message began about interest on my credit card, therefore I hung up before message was completed. The company was not identified before the message began. A phishing call is suspected!

A fishing scam... threatening pre-recorded messages... have reported them twice now and they are still calling.