Hello, this is Alice calling from the underwriting Department regarding your Discover credit card account based on your recent payment activity and balance. You are eligible for an interest rate reduction to as low as 1.9% to take advantage of this limited-time offer. Please call cardmember services directly at one 800-694-0048. Once again, that's one 806-9448. This will be the only note if you receive and this offer is only valid for three business days. Thank you.