This is not a solicitation call. Hi. This is the Credit Card Holder Award Center from Visa Mastercard. We have been monitoring your credit card accounts for the last six months. Congratulations! On your excellent payment history you now qualify for a 0% interest rates on all your credit card accounts. If you have completed this process or not interested, press [3], now otherwise, press [1] now to speak to our qualification department and complete the process. The qualification process can be completed in a few minutes... [short pause while I don't respond] Goodbye."