That's if your main credit book didn't get shutdown at the Borgata a few years ago. I understand most credit books use online sites now, but when I use credit I still like talking to the man on the other end of the phone.
Talking to a person is Almost 24/7 as well.
I know a lot of Credit shops will use a PPH, and Clerks are not there 24/7
But, at Most "Good" places. You can talk to someone from 8AM -1AM