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Why are you on the phone for 2 to 3 hours over a declined card? Either the card works or it doesn't and maybe the reason why. What else was going on for those hours?
Rackshack is good for cheap un-managed servers. But you get what you pay for. Their bandwidth sucks, compared to better hosting companies. I use them for the sites I have that I don't care alot about. If you want better customer service and better bandwidth, you need to pay for it.
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