Answered call, and got recorded very vague message to the effect that they are calling regarding my credit card, that I qualify for a lower interest rate. Was then put on brief hold, then a woman answered the phone...I asked her to which of my cards she was referring (since I have many), she responded with a "what?" I repeated my question, she hung up on me...smells like A SCAM. I called the number back, but it didn't work. Hmm.