The "customer service" for Banana Republic's Luxe [Visa] card is a joke. First, their "system" consists of endless "if you want . . push 3" loop tapes, without an "escape" to a real person. Second, the choices offered cover few needs. Third, once you do choose a "need, " you're placed on hold for 10+ minutes. Fourth, the "person" who answers can't speak English. Fifth, while you're on hold, rotten music is played at a very high volume. Again, there's no way, in BR's system, that you can get to a real, thinking human being. BR sucks. read full review »