Dear MBNA,

Your shotgun approach to palm reading is certainly paying you interest! How did you know that the winter monster known as Winterlicious has been gobbling up portions of my income? While I believe it enjoys the slightly bitter aftertaste of the Canadian greens, I’m afraid the Winterlicious’ stomach is not used to digesting on credit. Presumably it has a death wish as it certainly takes a long time before AMEX credit is finally absorbed into the blood stream. Perhaps you are also friends with Winterlicious and wish for me to feed it with my newly increased credit line?