New phishing scheme - watch out!  Early AM call from robot voice haranguing about not responding to several offers to lower credit card interest rate to 6%.  You must have at least $3K owing, and at least one card must be in good standing.  This is your last chance, press 1 to lower your rate.  A voice will come on that hangs up when you demand to know if the caller knows how early it is?!  The number listed, 772-408-1310, does not answer when called.  Remember, people - credit card companies will NOT call you and ask for sensitive information!!  Hang up on these jerks..