Just received this call. Pressed 1 because of curiosity. They said that press 1 would lower my credit card rates! Wow! So the gentleman that picked up told me it would lower my rates. What credit card? I asked. "Your credit card," he said. I made him give my name for verification. He did. Then I told him my wife and I had gotten rid of our credit cards years ago and exactly what card he was talking about. He hung up. Guess he was going to try and get my number or something. Guy sounded Middle Eastern or Indian. Total scam.