Either scammer or debt collector, I kena with RHB before. Answered the phone but no voice, then hung up. The last 4 digit at the back keep changing, called me like 3 - 4 times. Du 9 lan, end of the month paid the credit card then terus cancel. Asking me why cancel while all these years my transaction and payment is good, tell them i cannot tahan their debt collection department keep bothering me.