why is chat not available right now? it's so hard to talk to a human?

We understand how important timely assistance is for you, Michelle.

Please note that our Live support team is available to connect from Monday to Friday, 6 AM to 6 PM. Ensure you reach out to them within this estimated timeframe to receive immediate help.

Here's how to reach them:

1. In your QuickBooks Desktop, navigate to the Help menu.
2. Select the QuickBooks Desktop Help/Contact Us option.
3. Enter the question, keyword, or topic you need help with.
4. Follow the prompts, then choose a way to connect with us.

Alternatively, you can contact QuickBooks support outside your QBO account by visiting the Contact QuickBooks Team page.

You may find this article helpful for updating your payment methods, account information, and sign-in details: Manage your Intuit Account online.

If you have any further questions, please don't hesitate to reply.