This is not a solicitation call. Hi this is the Credit Card holder award Center from Visa Master Card. We have been monitoring your credit card accounts for the last six months. Congratulations on your excellent payment history. You now qualify for a 0% interest rates on all your credit card accounts. This is a limited time offer and you must respond before November 1. If you completed this process or not interested press three now. Otherwise press one now to speak to our qualification department and complete the process the qualification process can be completed in a few minutes.