IT HAS BEEN ALMOST A MONTH I WAS TRYING TO OPEN TWO SECURED CREDIT CARD ACCOUNTS. UNFORTUNATELY IT WAS ONLY ON ONE OCCASSION A LADY CALLED ME BACK AND I COULD TALK TO HER. I HAD OTHER QUESTION. IN MY ENTIRE LIFE, I HAVE NEVER FOUND OR HEARD ANYBODY COMPLAINING ABOUT NOT BEING ABLE TO TALK TO SOMEBODY LIVE RIGHTAWAY. COULD YOU BE KIND ENOUGH TO SOLVE THIS PROBLEM.