Recorded message, but I pressed 9 to get a live person. He said he was from Visa and Mastercard. I asked for the company, issuing bank, etc. and he said there was none. He got really snotty about it, and I said that I don't answer queries for information on the telephone. He tried to sound like he knew me, "you have a credit card that you make payments on time on, etc." but that was very generic. Since he couldn't tell me who my Visa was through when I asked, I told him that I was going to report this to the FTC and not to ever call me again.