Dear MBNA,

I bet you are sorry to hear that I have new penpals! Yes, you are not the only financial institution that has harassed me with free cheques in the mail. Although I have to say, my bank is not as convenient as you since they force me to fill in 6 digits of my credit card number before I can use their cheques. With yours, I can just sign my name and spend spend spend. Spend spend spend!!

Ooh, but by the way, thanks for increasing my credit line yet again. I forgot how much it was before, but now I feel really lucky since it starts with 88. Maybe I’ll win the lottery and never need credit again.