When I answered the phone it was a credit card agency stating to call them immediately because my interest is going to go up. I only own two credit cards and neither one has a telephone number with this area code and they both have said they will never contact me directly. This company wanted to know your credit card number before they would tell you which credit card agency they were calling from. I refused to give them any information and said since they called me they should have my number to verify with me. They hung up on me. I suspect this is a identity theft scheme.