Moments ago, I got an unsolicited call from "Stephanie at Card Services", wanting to lower my credit-card interest-rate to 3.9% for life.
Lots of background "chatter", and other voices reciting the same script that Stephanie was reciting.
Upon her request, I gave her _BOGUS_ birth-date, current credit-card expiry-date, and credit-card number.
She knew my name, but 30 seconds with a Google-search on my ten-digit telephone-number will show my name & address.
I asked for the city from where she was calling. Her first answer: Canada.  Wrong!
I asked again, and she answered British Columbia.  Wrong! BC is not a "city".
I asked again, and she answered Delta, which is a BC city.
Note that area-code '905' is *NOT* assigned to B.C.
So, she's probably using a VOIP (Voice Over Internet Protocol) to "spoof" her telephone number.
She wanted to "verify" my information, and then to pass my call to her supervisor.
I finally hung-up on her, after wasting 8 minutes of her time.
I hope that she gets fired at the end of the week, for being the least-productive person at her call-center.