These jerks call me several times a week and this has been going on for years. I never answer but finally I thought I'd try to get off their list. As soon as I told a "representative" politely that I was not interested and to take me off their list, she hung up on me. So much for being civil and polite. I hope that karma catches up to those pieces of slime. The sad thing is that I was put on hold for about five minutes before I could talk to one of these creeps so there must be lots of people falling for this crap.
The "lower your credit card interest rate" pests have a new number, 312-216-0897. Caller ID shows Chicago, Il. "Consider this your third and final notice." Ha, only when the world ends will they quit calling!