This caller is from outside USA and "spoofing" USA phone numbers in order to con/fraud people out of money by tricking you into giving them your card #'s and ID. Typically by claiming to be working for a insurance company that can save you money.
When this scammer attempted this on me by claiming he noticed online I could save a lot of money over my current insurer, I simply asked questions. Who is my current insurer? He could not answer in fact he laughed out loud and then continued with his scam. After repeatedly asking him detailed info on what he claimed to know already, he gave up, laughed again, then hung up.