This was a recorded message offering to lower my credit card interest rates. I am on the Do Not Call list. WHEN YOU RECEIVE A CALL LIKE THIS DESPITE BEING ON THE "DO NOT CALL" LIST ---- YOU NEED TO GO TO FTC.GOV AND FILE A COMPLAINT!!! Click on their "Do Not Call Registry" icon and then click on "File A Complaint." I do this everytime I receive a telemarketing call. If we all do this, perhaps one day these violators will all be shut down.