Since this is a local Houston number, I answered without thinking.  It was a recording for lowering my credit card interest rate from "your credit card services".  No bank name or any other company name was given, and it's obviously a telemarketing/scam call.  A quick Google search showed that other telemarketers use this number to trick people into picking up the phone because it looks local.  I blocked the number, but if I were you I wouldn't pick up at all; once you do, you're labeled as a live line and who knows what kind of calls you'll get after that.