Secure chat is not knowledgable !!!!!!!

I would actually give them minus rating if I could. I tried to get an answer from the "Secure chat". All I wanted to know what was does it mean if a credit card transaction has a "General Decline"? I was on the chat for 45 minutes, transferred to 4 different dept, them asking the same questions and eventually the chat was ended with me not getting an answer. DO these guys not know how to answer clients???????