"...Account. There are no problems currently with your account. It is urgent that you contact us concerning your eligibility for lowering your interest rates to as little as 6.9 percent. 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. Thank you."

If they don't leave a way to get off their dialing list, it's a scam.