I despise having to call in, sit through a horrid phone tree, listen to info I don't need (balance, etc), when I can log into an online chat, ask my question and be done. I rarely need to call my bank, but when I do, it's for simple questions. I may need to have my account notated that I'm traveling and to please not mark the charge from Norway as fraud. I can't always talk on a phone (work/school), but I'm almost always able to pull up a web browser and do online chat while doing other things.
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