Just to be devil's advocate, any credit card is going to do the same thing if your card is stolen; they're legally required to, but they also do a good job on this just as a customer retention measure.

My Amex story is about getting fucked over in a legitimate transaction, and Amex making it right even though the problem had nothing to do with my credit card. I was told to expect this of Amex customer service, and they were right.

> What's the biggest conflict you've had over a Visa transaction?

We had to buy full-price tickets (~ $1k) to get back home from a vacation due to a hurricane warning. We had no applicable insurance on original return tickets, but we got a full refund after a call to a bank's credit card department. Perhaps it wasn't 4 minutes as in your case, more like 15, but considering the circuimstances I think it's still pretty awesome :-)

That is pretty awesome!

I didn't know this was a 'I've been fucked over more than you' contest. You asked for the biggest conflict someone with a Visa has had.

It seems Amex is great as well I've just never had one of their cards.

Again: totally not arguing with you. I'd be interested in knowing whether you've gotten the same customer support from your bank's Visa program.