If I was on vacation and they called and wanted me to deal with this immediately I would refuse and escalate it all the way up the chain.

I have been a member since 1984 and have paid each and every month before the due date. If they call me for a FR, they can verify my employment and salary with my employer, AE can certainly obtain my credit report to see that my other obligations are being paid as agreed, anything else after 25 years and I would tell them to take their card and stick it where the sun does not shine.