It actually was premier bank card. I have an account with them, and I called the number on the back of my credit card to verify the number the called me was affiliated with them. My payment was at that point four days late even though I had set up a payment through my bank's bill pay service 8 days before the bill was due. The bank did not send the payment, a mistake on their part, but everything has been resolved. Don't assume something is a scam without really investigating.