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I am very disappointed when I call to speak to a representative who does not speak American English. Additionally, the young woman I talked to today had no idea or knowledge of what I was talking about with credit cards. I asked to speak to a supervisor who had slightly more knowledge and was very difficult to understand. I had to call my bank and another credit card company to get things resolved. I think you could cut your call times in half by having a call center within the States who could resolves issues quickly and efficiently thus saving you money. Always a labyrinth to get through on your lines.


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