This was a local number for me so I picked up.  It was a recording from "card holder services" about lowering our interest rate.  A scam, of course, but we just had a debit card number stolen and someone cleaned the account out.  Naturally, I thought this "card holder services" was another fraud alert until I realized it was a scam.  That's how hard it is sometimes to tell the real calls from the scams.  Yikes!