This scammer calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. They inform you that you have been selected for a reduced interest rate and reduced payments on your credit card, you just have to verify some information. However, they refuse to provide a non-toll-free phone number when asked, stating (falsely) that no businesses have non-toll-free phone numbers. When asked for a physical address, the operator answers, "Go f*** yourself in your f*****g a** you f****r," and hangs up. This is clearly just a scam trying to get personal information and credit card information, as 100% of legitimate businesses will gladly provide a phone number and address - and since it is required that they do so when asked under the TCPA. Do not provide these phishers any personal information.