Have 3 credit cards always on time and paid. I called with a problem with Instacart on my card I can guarantee they are lying but apparently someone named Nons operator number MV246...told me to take it up with the merchant, after I said very few transactions match up and no one ever responds even after calling multiple times and talking online, which I have proof of. The person in fraud after explaining all this, said to take it up with the merchant when I said I could send him a screenshot imedietly and to please send me an email I could respond to with the evidence.