[CamperBob]

It doesn't sound like they actually do much of anything beyond typing your request into Google. It's not as if they sent someone to Austin to buy a gallon of queso dip, or whatever.

The reference desk at a major metropolitan library would probably be able to field some of the inquiries the author tried, and without charging whatever ungodly annual fee Visa is probably getting for that card.

[kenjackson]

Actually, I suspect its some Googling, but also a lot of phone calls. For example, getting in store stock info usually requires calling.

[martey]

The Chase Freedom card does not have an annual fee.