A message says that the call is regarding your credit cards but that there are no issues with the card.  They proceed to say that time is running out to save money by reducing interest rates.  Press 1 if you are interested.  If you press 1 after a short wait on hold, not bad hold music, a person asks if you pressed 1 to reduce your interest rates by consolidating.  The person will hang up if the answer is anything but YES, I say this because I have yet to say yes, but have asked to be removed, have told them to go (*&*!@& themselves, and have repeatedly asked for more information, yet they HANG UP immediately.