They call and you listen to a recording. You can press 1 to talk to them. They ask your credit card information and tell you they can get you 4.99% on your visa or mastercard. However, you must get qualified and have at least one card with a $1000.00 credit limit that is unused. Yeah! I'm ganna give them that information. The guy Jim says that they are members of the BBB and the FDIC. I just told him to take my number off the list.