caller-recorded-says that "nothing is wrong with my credit card' but i should act now to lower my interest rates, and this is my final offer ( i have received 12 calls like this over the past several months). i pressed 9 like they suggested and a man came on the line(mid east accent)and said this was the credit interest rate dept. i said department of what company? and he got flustered and mad and said " visa or mastercard. which do you have?" i told him to [***] and hung up