For me the worst is you talk to someone at a company, be it phone or support chat, and it becomes clear the person wants to help but the policies of the company prevent their customer support people from doing anything meaningful. The support person has no power, may not even be employed by the company in question, etc. Then you get the salt in the wound customer satisfaction survey of "Did X resolve your issue today…
Why would you give credit card information over the phone to anyone? I’m not in the US but that sounds crazy.
The whole system builds on trust and humans are pretty trustworthy. Bots are much less trustworthy, since untrustworthy humans can leverage bots or spam to contact millions of people each.