This scammer calls numbers on the national do not call list in violation of the Telephone Consumer Protection Act. they further violate the TCPA by failing to have an operator on the line when the call is answered, and still further by playing a recorded message without an operator on the line. They continue to violate the TCPA by failing to provide a phone number when asked, and still further by failing to provide a physical address when asked. Their recording states that federal law is requiring Visa and Master Card to raise their interest rates and double monthly minimum payments, and that the victim has been selected to receive a 0% interest for the next year. This is clearly a scam. Do not provide this scammer with any personal or financial information.