Dear MBNA,

Thank you for sending me yet another envelope of credit card cheques in the mail. They will serve nicely to replace the last set that I immediately ripped up two weeks ago, as well as the set from a few weeks before that, and the set from a month or two ago. I applaud you on your prompt and prescient customer service. You must have noticed that I had a desperate need to write cheques from my credit card account, as I have whole-heartedly decided to ignore the payment holiday you have given me every month of the last year. I am glad you caught my error and will continue to rip up your mail.

Yours truly,

Kevin