Phone rang, I answered it - recording say they're from Card Services and if I wanted to take advantage of lowering my interest rate on my credit card, press 9.  I pressed 9 and the first thing they asked for was my credit card number for verification.  I replied to them that they had called me and my credit card company would not be asking for my card number for verification.  I said "this sounds like a scam" and I thanked them for calling and hung up the phone.  I called back and got a recording that said "your call has been forwarded to an automatic voicemail" ... I would say definitely a SCAM.