I got a voice mail from this company and they said: "Arnold our Service Desk calling in reference to your current credit card account. There are no problems currently with your account. It is urgent that you contact us concerning your eligibility for lowering your interest rate to as little as x .9% Your eligibility expires shortly, so please consider this your final notice. Press the number one on your telephone now to speak with a live operator and lower your interest rates, or if you'd like to be removed from our call list, press 2. Thank you and have a great day."