Here's what I want to know ... Is there a premium credit card that I can sign up for that will guarantee me I will NEVER speak to a customer service rep in India? I'm willing to pay a premium. That's all I ask ... what a huge opportunity for CC companies looking to differentiate their offering. I call customer service MAYBE 1x or 2x per year, thats it. I'm not a problem customer and I usually pay my bills in full every month. I have asked AMEX the above question regarding their Platinum card ($300/yr service fee) and they can NOT assure me I'll never get an off-shore call center. Can you believe that crap.