Yesterday I got home and found a Hallmark card waiting in the mail with my name on it. I eagerly ripped it open only to find that it was from... my "friends" at Discover card. Apparently if you are late with your payments or miss one or twelve, instead of sending a mean letter threatening you with legal action and nasty collections tactics, they send a deep, heartfelt card about how times are tough and a new day is a new opportunity for a fresh start. There was actually a handwritten note expressing fond sentiments and a desire to help.

I'm not sure what to think but it was certainly a nice change. All credit card companies should be so caring and considerate. Usually if you miss a couple payments you get a letter demanding the entire amount due in full. This has never made sense to me. Um, I'm having trouble paying the minimum balance but it should be no problem for me to send the entire amount that I owe immediately! The check's in the mail, I swear!   ¶ 1:35 PM