She is (fortunately!)
WRONG, WRONG, WRONG!!!
If you look on the Govt website, I believe it can even be found there. I'm certain if you get someone who is the slightest bit in the know at the CC company, you can work around this minor problem. Just play CSR roulette until you hit on someone who appears to know the skinny, and get their name/phone #/company identifier or whatever else you need and you should be fine.
Best Wishes.