many creditors can actually change the way their caller ID comes in to make it more appealing for people to answer. this is definitely first premier bank calling to collect... if you have never had a card with them then chances are, your identity was stolen.
I did not try to call back like the others. Rang only twice, and when I picked up, there was no one on the line. The 314 area code is in the St. Louis, MO area is all I know.