This scammer calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. They further violate the TCPA by failing to have an operator on the line when the call is answered, and then still further by playing a recorded message without an operator on the line to stop or pause the recording and answer questions. When you to get to an operator, they hang up rather than provide a phone number and address when asked, further violating the TCPA. Their recording informs the victim that the victim is eligible for a reduction in their credit card payments. This is clearly a scam. Do not provide this scammer with any personal or financial information.