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Unknown Caller today and no message.  After reading here, I have blocked the caller on my iPhone.

Leaves message to lower credit card rate. Pressed '1' to speak to a rep. When connected, I asked what card they were referring to they disconnected the call. May they die and burn in hell for all eternity.

Be sure to make a do not call complaint if they harass you as well!

Called and didnt leave a message

Called cell phone, did not leave a VM. I called back and received a busy signal.

Called and didn't leave a message....  Grrr!

Total scam. Claimed they were from my bank-whom I've been w for 17 years-to lower my cc interest. But they didn't know my name. Asked for my exp date. I asked if you're from my bank then u should know when my cc expires. When I told him I no longer have a cc, I'm only paying off my balance he hung up on me.
I immediately called my bank and informed them of the call and they told me it's a total scam trying yo gather your personal info.

The callers are the drug-addicted "card services" scammers, who call us, pretending to be associated with our credit card companies, in an attempt to fool us into giving them our credit card numbers, so they can rip us off. People that have given their card number to these junkies have suffered severe financial losses. Beware of these lowlifes, and warn others, before they are cheated!

A woman (American accent? not positive) called from "my" credit card company in a rushed voice offering 6.9% blah blah. Which credit card company? I hung up.

Extra info: the caller was calling my cellphone. I have had this # for several years, without any of these calls, *except* from a collection agency that asked for X Y (the fellow who had the # some time ago?) About 6-9 months ago, I answered the collection agency's call, they demanded my personal info to strike me off their list, but I did not bite.

I have not had any more calls til this one today.

I suspect the collection agency sold its dead numbers to these scammers.

The card service scammers   WILL   "service" our credit cards,   BUT,   when they finish "servicing" them, they will have no available credit remaining!

This is a well known scam.they say they can lower your current credit card interest rate. Then they get your current credit card number and then steal your identification.  Companies that do this  have literally hundreds of phone numbers throughout the United States that do this. If you block that number another one will eventually call. When you give your phone number out to some companies you purchase things from, sometimes in the fine print it states that they can legally sell your phone number to other companies..This is usually one of the other companies.

These as Sholes just  called my cell  phone .  I deeply   resent scammers   in general  but, I  have  a  great  hatred for scammers  who call your  cellphone .

called my cell yesterday, left no message.  
Some one else  mentioned "Heather" calling regarding credit card rates.  Heather calls my home # at least 5 times a week, sometimes 2 times in one day. On this phone they leave messages with no company name.

WARNING--BEWARE!! These callers are   B I G   credit card criminals, known as the card service scammers! Under No circumstances, give your credit card number to these lowlifes, or you will regret it forever!