Just got a call from "Consumer Credit services" offering to lower my interest rate today only. Foreign guy answered. Sounded Indian. I asked what card he was calling about. "Your Visa Mastercard". Really? One card has both Visa and Mastercard, huh? I asked him what company this supposed card was with. Mumbled something, sounded like three companies, one of which was Capital One. I said "just go ahead and remove me from your calling list." His reply was "nah nah nah, that's not happening", and hung up.