Dear MBNA,

It’s that time of the month again where I unhappily receive your letter in the mail. It’s always the same and rather tiresome now don’t you think? My credit limit is the same (well to your credit the word NEW got dropped off), the cheques are the same, the utility I receive (read: none) is the same. I think it is about time that we stopped writing each other don’t you think?

Irritably,

Kevin