When I answered an automatic machine generated female voice recording said(sorry, too quick to get word for word) that this was in regard to my being eligible for lowering my credit card to an interest rate of  6.9% . This offer was to expire "soon." it was imperative for me to press ?9" to get details. When I pressed "9" and immediately asked the "live" female voice that answered what credit card were they talking about the hang up was immediate.