This scammer calls numbers on the national do not call registry in violation of the Telephone Consumer Protection Act. In addition, they play a recorded message without an operator on the line further violating the TCPA. They seem to use an automated dialer and do not have an operator on the phone when the call is answered, yet further violating the TCPA. When you do get to an operator, the operator refuses to provide their name, company name, physical address or phone number and instead hangs up on you - still further violating the TCPA. Their recording states that this is your second (this scammer has called way more than twice) and final (this scammer will definitely call again until they are stopped) offer to lower your credit card rates. This is clearly a scam. Between the violations of the TCPA and the content of the recorded message, it is clear that this is just an organization trying to commit identity theft and fraud. Do not provide this scammer with any personal or financial information.