Thanks! Makes sense now. I answered twice, and the hang up was just like the que the airlines use, so I suspected a telemarketer. Some of the folks they are calling already have credit issues, so why are they trying to sell credit protection or anything else to them, for that matter??? I am in TX & the landline was in NJ. Only picked up because I have friends in NJ---thought their number might have changed.
called the number back and it was Discover card trying to sell me a product or service. They have been calling me daily trying to sell me something for about a year using different numbers. I can't wait to pay off this card and close my account!