> But what if it is the credit card company you are dealing with? In general, I find dealing with any big company in writing, much easier than the telephone ni

> But what if it is the credit card company you are dealing with? In general, I find dealing with any big company in writing, much easier than the telephone nightmare you describe. Your call is important to us! Due to unusually high [sic] volumes, the waiting time is half an hour! Also, in writing, they don't accidentally forget previous conversations. If it has to be escalated to e.g. arbitration, then you have a good record. If they don't do online messaging, send a tracked letter to their head office. Obviously, that's a pain these days (don't misplace the proof of postage). Thankfully there are companies who print and post letters as a service.