They never renewed my credit card on time. One month later I am still trying. 3 hours past today trying. They now want me to prove who I am via HooYu. I have read reviews for HooYo and no way am I going down that path or indeed jumping through that hoop. Oh well a change of bank account I suppose after 40 years with little problem. I am not to sure if any humans still work there anymore I only get to talk via text and there is even a queu for that.