You mentioned
- having to find the number (or put in in your phone), and
- trust that they could deliver on what I expect
- I'd presume they hold all the pertinent info
Yet those three things are identical whether you use magic or your CC concierge service!
So you might as well have just written
> My Credit/Debit card offers concierge service but I've never used it. I don't like talking on the phone, but I don't mind SMS.