Many, many moons ago I serviced Disney credit cards as a CSR at Chase and in the years since I trained phone agents at a government call center for a long time, so this sort of thing is in my wheelhouse. Their systems are probably slow as heck and they do this to avoid dead air while screens are loading. That's all it is. They're not trying to confuse you, they're not trying to harass you or get on your nerves. I promise. They have to fill that silence or they get docked on their quality assurance evaluations, because SOP in the industry says customers hate dead air. They're right too, because it's the sort of thing people complain about on CX surveys. For every introvert who hates small talk, there's five customers who will pitch fits if the agent's quiet for too long because they feel like they aren't being paid enough attention.
But please don't take it out on these agents. They are literally just doing what they're told in order to meet the quality assurance metrics they're supposed to meet in order to get good evaluations, in order to stay gainfully employed. If y'all think it's irritating to make small talk as a customer, think about the CSRs who have to do it all day long.
Even the package upselling is assuredly a mandate passed down from management that they're being measured on. Just like sales associates at electronics stores constantly pushing the extended warranties. I'm not excusing shady tactics at all, don't get it twisted. There's a way to hit metrics that are ethical and customer forward. But there's a method to these things and frontline agents have very little control over it at most orgs, is all I'm saying.