Dear MBNA,

After I switched from a “preferred” penpal to a “platinum” penpal, I was afraid that I would lose the mails that you send me every now and then. So it was with glee that I received not one, but two mailings from you within a week. The pack of 4 cheques you provided me with along with my cash advance PIN would not have lasted a long time, so I am glad I got another full envelope of cheques from you! Oh what would I (or my shredder) ever do without you??

From,

Kevin