Scam!! Called this morning claiming to represent all major credit cards and to be able to give me a better interest rate. I asked him who he worked for he said, "Them all, all major credit agencies of Canada." I live in the US. I pointed it out, bantered with him for a bit, and asked him to give me the best scam pitch he has. He hung up.

Whoever they are they are looking for jail time.
Caller: (415) 498-4515 San Francisco, CA