calls every month same date range. messages left, lower your credit card interest rate. this time I answered the phone and asked them what credit card I have (none would be correct), middle eastern accent started naming off Bank of America among several others with questioning tone in his voice, I decided to have fun and said oh that one, he started on a spill about lower rate. I told him he was f'd up and not to call my number as no cards and hate spammers. hung up on after & blocked the number...what a dumb [***] he was