called at 12:43pm and I didn't answer because I was working.
Called at 12:54pm and someone asked for me by name. Wife asked who it was, they hung up.
Called at 1:34pm.
Man identified himself as calling from East Valley Financial. From now on I'll refer to him as "rep"...
Rep: "I'm calling about your visa and mastercard accounts."
I don't have any mastercards.
Rep: "Due to your status as a current card holder and because of recently lowered interest rates, we can lower your monthly rate."
Rep: "Are any of your cards over 10%?"
Me: "If you know about my credit cards, why don't you know what my rate is?"
Rep: "It's just a prequalifying question we have to formally ask."
Me: "No. None are over 10%."
Rep: "It sounds like you're in great standing and thanks for your time."
They aren't affiliated with any bank. I'm not in the phone book. They had my first and last name. I assume they bank on everyone having some cards. I didn't let it get to the point where they might ask for a CC number or made a sales pitch.
Best case: They're trying to consolidate people to their card.
Worst case: They're phishing for cards and are scamming people.