Got a call telling me that I qualified for a lower interest rate on my credit card. As I don't have a credit card, this came as a shock to me. When I followed the prompt to speak with a person, he started his spiel, telling me that I had qualified because I had been making the past several months payments on time. As soon as I told him that this was news to me because I don't have a credit card, the line was abruptly terminated. Shocker. Called back and hit the DNC option. It won't work, but whatever.