foreign sounding voice, acting unprofessionally that they were calling from MY credit card company, i asked which one and they said all of them??? i happen to be a banker and am sitting in my office for the 2nd time today with this same call. So i replied that my card is at 0% how could they beat that. and i added that i'm a banker and was immediately hung up on. DO NOT ANSWER, it's performed by a message to stay on the line.