This scammer calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. they further violation the TCPA by not having an operator on the line when the call is answered, and still further violate the TCPA by playing a recorded message when the phone is answered without an operator to pause or stop the recording and answer questions. They compound their violation by refusing to provide a phone number or physical address when asked. Their recording claims that you are eligible for a reduction on your credit card rates and fees. The recording also falsely claims that this is your second (no, they call a lot) and final (probably not, as they keep calling) notice. This is clearly a scam, as any legitimate business would gladly provide the phone number and address when asked, and would not violate the TCPA by calling numbers on the do not call list and playing a recording without an operator on the line to answer questions. Do not provide this scammer any information.