Automated call from "Heather of account services calling about credit card account to which there is no problem.  Offering lower rates as low as 6.9%.  Offer due to expire soon so please consider this a final notice". I let it go to voicemail but tried to call back to see if it named the card company. It rang, connected and hung up within 2 seconds both times.  I felt like it was phishing so I researched the number and found this thread that's confirms my suspicion.