I received a recorded call indicating it was from a "bank card representative" from my credit card company. It was suggested that I would be eligible for a lowered interest rate if I chose to speak with this person. I pressed a number in order to do so. The person immediately started to tell me I could get a better interest rate and perhaps extended credit and referenced that I was carrying a balance of $3500 currently. I corrected him on this, telling him, "I owe nothing on nothing." At this point he hung up. I suspect he was about to try and get some personal information regarding account numbers and such, but backed off when I called him on his incorrect data.