No answering machine means no messages left and that "one last chance" is a ruse to get you to "act now". Ignore the phone with unknown numbers. Rest assured, you're going to get many more opportunies to "reduce your interest rate", if you're answering the calls in some way.

I don't know who called me from that phone. I don't want to receive more calls from that phone please.

Another call from Cardmember Services to lower your interest rate!!!!

Just got a call from the same number and caller id identified it as elegant lehigh.    I pressed 1 and was then disconnected.  Let them waste their time with me I don't even use credit cards.  If I get to talk to someone I usually say I am so glad you called if you can wait a minute while i get out my balances so i can tell you what they are.  I then put the phone down wasting their time.  Takes up their time from bothering someone else.

I got a call from 484-223-3421 on July 24, 2015 at 11:27 am.  The caller did not leave a message even though my answering machine was on.  My caller ID said, "Member Service," whatever that means.  I have been on the Do Not Call list for over ten years.