I am not saying that it is the banks fault and the reps are saints. It is a mess. I am not arguing for the honor of either party. Now comes the asking part. By the way, a note on Cybercash.
All replies are welcome.
I was on the phone with him right after I posted the message below. The CC business is worse than the used car business. Email me privately if you want my rep's contact info. Stay away from Meramak. They really ripped me off.