It is 11:45pm. I answered because I thought maybe an emergency. It was a call saying I would get lower credit card interest. I don’t even own a credit card. So yes it was a scam. And besides that it’s almost midnight. Thank goodness I wasn’t already asleep and don’t have to get up early to go to work. Something needs to be done about all of the telemarketers calling at all hours night and day.
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