Answered but no response.

Pressed "1" to speak to live representative "to complete the process" as I do when I'm in the mood for some mischief.
Indian-accented male voice answered.
"Namaste," I said. That's hello in Hindi.
"Are you responding to the offer to lower your credit card rate?" asked the voice.
"Bhagavaan Shiv dhokhebaajon ko nasht kar," I replied. Hindi for "Lord Shiva destroys fraudsters. (Thank Brahma for Google translate, eh? Shiva, if you did not know, is charged with destroying the world when the time comes, though January 20 may make him redundant.)
"WHAT?", said my caller.
"Bhagavaan Shiv dhokhebaajon ko nasht kar," I repeated more slowly.
He clicked off so I did not get to day, "Aapaka din shubh ho." Have a good day. (My momma always told me to always be polite.)

called but left no message.  CID reads: Cell Phone ME

Visa credit card scam.

Called. I answered. No one spoke. I waited to see who it was but no response.