I am just curious about the average wait time ya guys stay on the phone to talk to a live credit card representative? In my experience, Citibank most of the time picks up my calls in 2 or 3 rings. At times I need to wait for a minute. I think they are pretty fast... Chase is fast too... I personally think that Bank of America is one of the slowest... Also when I had an MBA platinum Plus card, the average wait time was like 4 to 5 minutes..it was a bit too long.. But since I upgraded my card to a Quantum,my calls are picked up almost right away... A big difference..