Calling about visa and offering 3 1/2% interest.  Could hardly speak english.

The caller could not understand me and kept calling back even after I asked him to remove my ph# from his list. \he would not let me talk to his boss, only a financial adviser.

called me a bout a lower interest  rate on my visa because I always pay on time and I'm a valued costumer. I DON'T HAVE ANY CREDIT CARDS  call didn't end well

It is a spam call. They are trying to scam you into giving them your visa/mastercard numbers as they claim they are calling on behalf of some bank to lower your interest rate. I've received this phone call at least 3 times and each time the person on the other line has an Indian/Middle East accent. Just tell them you are aware of their scam and they usually hang up.

Received a call today saying that it was VISA trying to give me a lower interest rate.  HE IS NOT FROM VISA AND DO NOT GIVE THEM ANY INFORMATION.  IT IS A SCAM