"we've been monitoring your credit card.... If you have more than..." If you've been monitoring my credit card why would you be asking "If? You already stated you have been monitoring my card
BTW, a new wrinkle. Hit 1 and you get "Goodbye"
So, maybe I'll need to listen to whole thing before I tell a human to "F' off"
"If you are still carrying a balance of $10,000 or more you are qualified to receive up to 55% reduction on your current account and you can pay back the remaining balance for the zero percent interest rate for more information press 9 now press 9 to speak with a representative. Goodbye."