First, I have to tell you that I don't have money and usually am not in need for shopping online or offline. But lately some local Citi bank's employees have been calling me repeatedly to advertise their platinum VISA credit cards. They say they will deposit into my account $2000 in advance and I can use and pay them back later. Is this a scam ? I think they are lying to me, I'm so worried because they keep calling me almost once in every 4 days.