I get calls like this all the time. A recorded message comes on and tells you that, due to your good credit history (or thanks to government bailout policy) you qualify for a lower interest rate on your credit card. You're asked to select "1" to speak with an agent. And when you do, some heavily accented agent feeds you a bunch of crap and asks for your credit card info. Once they have it, they'll be off making fraudulent charges in your name. Here's how I dealt with a recent call that came from (301) 912-3320 (obviously a spoofed number).