Some type of recording saying something like "we're calling in reference to your current credit card account. there is no problem with your account. please press 9 now to talk to a representative about lowing your interest rates now. again, there is no problem with your account"
um, WHAT company are you with, referring to WHAT card? a bunch of fraudulent people if you ask me. and of course, no opt-out option! i recieved these calls a long time ago. eventually couldn't stand it, pressed 9 to talk to a representative....when he couldn't tell me if he was with my chase, VS, kohls, or any other card, i told him he was full of crap and needs to take me off my list.
next time they call i'm going to talk to them and say "OH WOW! you can lower my interest rate more than 0.00%??? when they say no, i'll say OK THEN, take me off your list AGAIN, or i'll report you."
there's no way these guys are even close to being real.