I get calls in the morning but turn my volume off the night before so that they won't wake me up. Later in the day I check who called. This number came up on my caller ID today with the name Silver Sprin MD. The message was one that has been left many times before about lowering my credit card interest, by the same voice, that of a young lady, and the exact same words, but in the past she called from different numbers and unknown on my caller ID. They just don't give up.
If I have the time, I press [1] just to waste their time. Even if it's only a few moments before they hang up, if a lot of us did it, it would eventually run them into the ground...make it unprofitable for the scam to continue.
WARNING--BEWARE!! These callers are B I G credit card criminals, known as the card service scammers! Under NO circumstances, give these lowlifes your credit card number, or you will regret it forever!