The opening of the call is a recorded message saying something about your last notice to reduce your credit card rate. It tells you to press 2 to talk to an agent. I did and told the person to put me on their do not call because I am on the federal do not call list. The agent started cursing at me and asked if I knew who the BLANK I was talking to. They said the BLANK call was being recorded and they were going to sue me. When you call back the recorded message tells you to press 9 to be put on their do not call list.