It's called number spoofing. They spoof local numbers in hopes you'll pick up so they can try to scam you. If at all possible, don't answer calls from unknown phone numbers, even if they're local. If it's important they'll leave a message and you can decide if it's worth your time to call back.
Local number but when picked up, credit card company.......how do they get away with using the local numbers? Seeing this more and more. When I call back, the local number owner answers and they have no idea that this is happening.
It's called number spoofing. They spoof local numbers in hopes you'll pick up so they can try to scam you. If at all possible, don't answer calls from unknown phone numbers, even if they're local. If it's important they'll leave a message and you can decide if it's worth your time to call back.