Hello, this is Bridget with Cardholder Services calling in reference to your current credit card account. There are no problems currently with your account. It is urgent that you contact us concerning your eligibility for lowering your interest rates to as little as 1% your eligibility expires shortly, so please consider this your final notice. Please press the number one on your phone now to speak with a live operator and lower your interest rate or press the number 3. To discontinue further notices. Thank you. Have a great day.