**THIS IS A SCAM!! THIS IS A SCAM!! ** Pre-recorded female voice from a purported, "Credit Cardholder Award Center from Visa MasterCard", congratulates you for excellent credit card payment history for the past 6 months; offers up a too good to be true "zero-point-zero interest on ALL your credit cards.....". DO NOT PRESS 3 OR 1 EVER!!! Simply let your voicemail / answering service handle this call; wastes THEIR money calling you. Oh, this call is a VOiP redirect from India--evidently "spoofed" to appear sourced from U.S. ( Delaware, in this case ). I've contacted Visa Cardholder SECURITY---yes, they confirm THIS IS A SCAM!!!