Received call stating there were no problems with my credit card account, but offering to lower my interest rate. It was a recorded message. I immediately hung up before the message could complete as I had previously been aware of this kind of scam when I got calls like this several years ago on an old phone number. The Caller ID did not indicate a name, but I had picked up without fully noticing the area code as unfamiliar, since I was just woken out of sleep. The phone directory Area Code listing shows the call as coming from Elmira or Ithaca, New York. I don't know anyone in New York or deal with any businesses there.