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 recording without an operator on the line. When you finally do get to an operator, they yet further violate the TCPA by refusing to provide a non-toll-free phone number and a physical address when asked. Their recording states that the victim has been monitored for several months and has been selected to have their credit card interest rates reduced based on their payment history. This is clearly a scam just from the recording, but the fact that this is a scam is reinforced by the fact that the operator does not have information about the victim's accounts. Do not provide this scammer with any personal or financial information.