Called 7-14-16 12:21pm to Michigan. Caller I.D. showed "wireless caller".  "... urgent that you contact us concerning your eligibility for lowering your interest rate to as little as 1%. Your eligibility expires shortly so please consider this you final notice. Please press the #1 on your phone now to speak with a live operator and lower your interest rate or press the #3 to discontinue further notices. Thank you. Have a great day."
FINAL NOTICE? [***]! They call several times a week. Have a nice day? Yeah, my day was good until some [***] called me.