Phone rings, so I pick it up. Unknown caller.

Okay, what the heck, I'm bored. "Hello?"

Pre-recorded message (paraphrased) "Hello! This is Credit Card Service Center! You are eligible for 6.9% interest on all your credit cards! But your eligibility is running out. This is your final chance! If you would like to be transferred to a Live Operator, press 9 now."

Hard to hear over all the warning klaxons, but, what the heck, let's play this out.

Press 9. (insert tone for 9 here)

Pre-recorded voice (different from the first PRV-chick) says "Transferring you to a live operator now!"

Click. Click, clickety-click. (Heh. How many cut-outs did we just go through?)

Male voice, live. "Hello, are you ready to lower your interest rates on your credit cards?"

Armorer (also live). "Sure, which ones?"

Male voice, "Mastercard and Visa".

Armorer "Yeah, got that - but issued by whom?"

Click-click. Dial tone.

Bummer. He hung up. I must have offended him or something. Apparently by not being gullible.

Anyway - beware the phone scam for lowering your interest rates!

This message brought to you because I care. Yep. That's right.