Phone Call

Have you ever had a phone call that you found was just a recording? We get them sometimes. For example, tonight we had a call from a lady named Heather. Heather started saying that we could lower our interest rates on credit cards. I thought about hanging up or at least saying that I was not interested but then I figured out that the call was a recording. The lady didn't say which credit card she was referring to so it made me wonder if this was a legitimate call.