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LOL - I tend to avoid chat "features". One notable exception was Best Buy. I had made a couple larger purchases, and then within the 30 day window, the items went on sale. I was able to easily, and successfully use their chat to get price adjustments. All I had to do was provide the invoice numbers and they looked it up and granted the refunds.
My hearing is severely compromised, so email or chat is the only way that I can effectively communicate. I've used chat on Schwab a fair number of times, and found their chat people to be very courteous and helpful.
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