Just spoke with Lynn today May 15 from 9.55am to 10.15am wrt 2 simple enquiries: - activate my primary card for overseas use from May 20-27 - whether full payment or just minimum amount on my current statement must be made by May 28 She took 20 minutes to ask verification a couple of times unlike in the past, other customer service personnel took shorter time. To me, she is incompetent and sounds disinterested with no zest in her work.