A pre-recorded main message, giving the impression you have outstanding credit card bills and offering to help lower the bill.
When you connect to a live operator and inquire what the call is about, you are told "to lower your credit card bills". When asked what credit card they are caling about, the response is "your Visa or MasterCard...whatever you have". It's a solicitation...a scam.
For those callers complaining about getting repeat calls after requesting no further calls, please go online to the National Do Not Call Registry and register your phone number as one to NOT be contacted by telemarketers. If you continue to be called, you can go back to the DNC Registry and report the offenses. Companies can be fined for calling numbers on the DNC list.