Based on the provided information, it appears that the caller is attempting to phish for personal information or scam the recipient out of money. The mention of a charge for $349 and the urgent need to call back to cancel it raises red flags about the legitimacy of the call. The fact that the first part of the message was cut off due to the caller's machine talking over the answer machine pickup also suggests that the caller may be using automated systems to make large volumes of calls, which is a common tactic used by scammers. Overall, the caller's approach seems suspicious and may be an attempt to deceive the recipient.
A message was left on my answer machine about a change on my card, but it sounds like a compleat scam to me.