They have called me twice.....Recorded message that said: "I am Heather from accounts and we can lower your Credit Card rate to 6.9%." The first time I just hung up. They just called again today and I pushed 1, like they said, to talk with a live person. Sounded like they wee from India or Pakistan. I simply told them I did not have a credit card and "click"....they hung up....Probably will not cal back...I hope.