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.