Nov 16: Answering machine spam: Recording of Rachel at "cardholder services"

This fraudulent sounding recording called Sept 15 and Oct 4.

"Hello. This is Rachel at "cardholder services", calling in reference with your current credit card account. There are no problems currently with your account. It is urgent that you contact us concerning your eligibility for lowering your interest rate to as little as 6.9%. Your eligibility expires shortly, so please consider this your final notice. Please press the number one on your phone now to speak with a live operator and lower your interest rate. Or press the number three to discontinue further notices. Thank you. Have a great day."