Dealing with "I'm sorry but all reresentatives are busy" hell. Have you been there?

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Due to a security breach, my main credit card company had to issue me a new credit card number. This means I have to make sure that the new number is linked to all accounts that have auto pay through that credit card. This includes my basic medical insurance. Because all massive corporations have erected a huge stone wall between them and their consumers, it is virtually impossible to get through to a live representative, so I can give them my new credit card number, and make sure that my medical coverage is not disrupted. Ironically, this increases my stress level. That, in turn, increases my cortisol level. Cortisol is a stress hormone. Elevated cortisol levels compromise the immune system, and also damage the hippocampus, a brain structure involved in learning. The bottom line: By being "automatic" and "cost saving" measures, medical providers increase their patients' risk of illness and premature dementia. In the long-term, this could cost them money, as more consumers will need their help as they age. Have you experienced "on-hold hell"? What was the situation?