Dear MBNA,

Hey we’re pretty good pen pals. Over the summer we’ve sent four letters back and forth but even though it’s fall now, it looks like you’re still dedicated to sending me mail. It’s a good thing you sent me another batch of cheques, seeing as how the credit on my MBNA card is almost used up from holds by 2 different car dealerships and a year’s payment for car insurance. Doesn’t that mean that my cash advance limit is not as much as it was before? I don’t think I can use up all the cheques you sent me then. I better rip them up.

Toodaloo,

Kevin