Transfer... to attempt or not to attempt

Ok, recently I got myself a credit card to be able to transfer one of my mains, along with one of my BF's mains to another server to join some friends who transferred.
I view the CSF everyday, and could not help but notice all the issues occuring with the payment part of it all.

So, I am wondering if it would be easier and less time consuming if I were to just call billing to arrange the transfer?

I am willing to try to transfer once, and see how it goes... but I really do not want our mains stuck in limbo unplayable for hours due to errors...

What would you all suggest... ?

Thanks in advance for your replies...