Congratulations because you've made your payments on time you're now eligible to receive a lower interest rate and a lower monthly payment and hope your existing credit card accounts. So please press one now to find out the terms and conditions of the offers again this is your final notice so please press one or press three to discontinue any further offers. You are one step closer to your financial freedom to get your interest rate below 6%. Press one to speak with a financial expert. Press one now.