Got the "credit card services" call too. Recording about lowering my interest rates because the Federal Reserve lowered its interest rate. I pressed 1 and got a person. He asked if I wanted to lower my interest rate or if I paid off my balance every month. I asked who he was and he said they partner with Mastercard and Visa to lower people's interest rates. He said the records show I pay more than 10% interest rate on one of those cards and asked if that was true. I said "If that's what the record says. Which one is it?". At that point, he hung up. Someone isn't getting employee of the month.