[mothered]

It's important to to note: the IRS, your bank, etc. will never call you and ask for information even to resolve these sorts of disputes of credit or payments.

I'm fully aware of that.

My post Is based on the power of human manipulation, and not banking protocol.

I would argue that a professional SEr can come up with executions right on the spot.

You're absolutely spot-on.

Being responsive with the most appropriate and effective course of action In real time, makes all the difference between success and failure. Some SE'ers are naturally gifted, whilst others adapt to It over time through their very own experience. And then there's those who cannot apply themselves, Irrespective of how hard they try to adjust In a real time environment.

As per my guides on my blog, I always recommend to opt for a communication gateway that you're most comfortable and confident with.