Yeah you still have to deal with it through the CC company, but the benefit of doing it that way is once you suffer through the BS and eventually get a live per

Yeah you still have to deal with it through the CC company, but the benefit of doing it that way is once you suffer through the BS and eventually get a live person, it's normally resolved also I think some of the CC companies are less of a PITA in this, from my experience C1 is more of a PITA than Chase for example