Not being able to call your card issuer is a reason to change issuer. I would put 30+ minutes wait time in this category, although I know someone who is a seaso

Not being able to call your card issuer is a reason to change issuer. I would put 30+ minutes wait time in this category, although I know someone who is a seasoned hand when it comes to getting through tasks during phone waiting times. It would be nice if card issuers avoided deadnaming, but there could be an innocent explanation for why a card was issued with the wrong name.