Same call described by Chris.  I pushed 2 to have them stop calling, and a representative picked up to "sell" me on a lower interest rate.  When I asked what credit card he was inferring that I have, he said it is a Mastercard or Visa.  I told him I don't have one, so he said it must be American Express.  After I told him I don't use credit cards, he hung up on me.  I have a new job and do not know all of the phone numbers the company uses, and I'm afraid to miss an important call.  This call came to a pay-as-you-go cell phone that I have had for three years, and I only recently started receiving spam calls and texts.  It is so irritating that they cost me money every time I answer.