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Comment on Ask HN: How to fix the headache of telephone haggling?

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making a simple credit card payment to Macy's cost me 2 hours of wasted time. They frequently apply payments to the wrong accounts. I feel your pain about sitting on the phone

Why do you keep an account with them if it's so difficult to work with them? If you paid with an account held by a bank instead of by them, it might be much easier to make your payments and regain you those 2 hours a month.

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