Just got a call. Said they could offer a lower rate on my credit card and to press one to talk to a rep and two to opt out. Pressed two and still got a rep. Asked what credit card and they said "Visa & MasterCard". I asked which Bank and they listed all the major ones (Chase, BofA, etc). I said so this is a scam and the "rep" replied back "You are stupid". I replied so are you and hung up.