Calling in the early morning is the best idea to get someone live within 10 minutes. HUCA is the best solution if someone doesn't know. My $20 charge has been posted. First CSR didn't know what to do. Second one did and was able to reverse the charge. I received a reference number. He said I was charged for returning the certificate ( another story with a case number and is solved now) I received 10k points for the inconvenience .