Illegal robocall. Some lying BS about "...recent changes in the Federal Reserve blah blah blah..." And more lies, something like "...we've been monitoring your credit card payments (there are NO credit cards, ergo no payments, and it's IMPOSSIBLE for a third party to "monitor" any payments.) and, you qualify for reduced interest, blah, blah, blah" Long story short, this is just a string of lies, leading up to the tired old "interest rate reduction" scam/fraud. I certainly hope that everyone knows by now that this is a straight fraudulent con game, and NOT to participate, even to the extent of listening to this BS - either from a human, or a robot. See ya around the campfire.