Answered the call. Somehow, they know my record is good but haven't event asked for me by name to verify they are speaking to the right person.  Knowing that most sapient people aren't going for this crap anymore, this is a time-consumption scam.  These calls take place to do nothing more than take up your time if you are answering it.  Block this number.

Scam.

"Hi this is Sarah calling about your credit card account, please hold to speak with someone about lowering your interest rate". I held because I wanted to let them know to stop calling me. Was transferred to an Indian speaking man, asked him to stop but the calls keep coming. Each time it is a different number, so blocking the call is ineffective

Called. Ignored.

Blocking the call won't stop them from using other numbers, but continuing to block the more numbers that are being used will shrink the attack surface they can use to further their scams.