Called at 10 AM on a Saturday.  The lady I spoke with sounded like she put on a fake Scandinavian accent, and she said she would lower all my credit card interest rates to 6.9%.  I asked what bank she was calling from, and she said they are 3 different banks.  When I questioned that, she said they all merged together, which I know is a lie.  She began asking me for personal information, which I refused to give her.  She then read from a long script and used a lot of jargon, she was trying to confuse me.  I asked to speak with her supervisor.  He sounded like he had a fake Pakistani accent.  I told him that I want something in writing stating their business.  He gave me the runaround about that.  He wanted to know my credit card expiration date for one of my accounts, I said I don't feel comfortable giving it to him.  He then said that he can confirm my account number, he just wants me to verify the expiry date.  He guessed the first 2 digits of my account number correctly, and then he tried to guess the third digit.  He guessed 3 different numbers (none of which were correct).  I asked where he was calling from, and he said Orlando, FL, which is bizarre because they were calling from a MN number.  I hung up at that point.  These people will try to confuse you into giving them information that they claim to already have about you.