It's a recorded msg about lowering your credit card rate. Thing is, the numberS they use are legit people and businesses who have no idea these "people" are using their number. Here they've used local #'s so you're more apt to answer. I've called a couple of the people whose numbers have been used to let them know. Once you answer they know your # is legit. I've blocked numerous #'s, but they just hack someone's phone. Isn't there a law? Does anyone know?