Poor Service Premier secured online chat

Your Premier secured chat is useless.To start with,just to get a consultant online you wait for about 20min,after 20min of waiting online the person on the other side is so clueless you would swear you are asking for help from just anybody.You explain and explain the problem and no help whatsoever.I had a query concerning swiping and daily limits,I get declined for even a two hundred transaction due to daily limits reached before I even do 1 transaction and I hoped I will get help from My Team of Bankers and guess what...The responce was I should try to do a transaction and when it declines I should contact them,mind You I ll be at a till waiting again to get a consultant .....Yuuuh hai