Some people say, "don't answer a call if you don't recognize the number." WRONG ANSWER! If you don't answer the call, it goes to voicemail. If it goes to voicemail, you may as well be talking to them!!!
The best thing to do is answer, BUT DON'T SPEAK. Tap the Mute button to disable the microphone and let the call time out. Anything else absolutely confirms that your number is active... that there is a human being at the other end. Even if you pick up the phone and then hang up before the recording is finished, you are confirming human activity on your end of the line. Picking up the call and putting the phone on mute confuses them. They don't know how to interpret what occurred. The call will time out. That's when you hang up. They won't know if the number is good or not.
Think about it. You don't have to be an Einstein to figure this out.
The call is likely spoofed number.....they left message say i had applied for pay day loan recently and that i am approved. Problem is I have not applied anywhere for a payday loan. Since currently not having issues with banks or ID info this is likely a scam call.