Hello this is Heather at Account Services and we're calling in reference to your current credit card account. There's no problems currently with your account. It is urgent however that you contact us concerning your eligibility for lowering your interest rates to as little as 6.9%. Your eligibility expires shortly so please consider this your final notice. Please press one now on your phone to speak with a live operator and lower your interest rates or press two to discontinue further notices. Thank you and have a great day.