"Of course, we look forward to hearing from you every month and we were disappointed when we realized that last month's payment has not arrived yet." Target Visa
Ha. Ima start writing them letters since they really enjoy hearing from me.
I just wrote one. You know I used to work in the correspondence department of a collection agency, and we would get some interesting letters. Sometimes heartbreaking, sometimes gut-bustingly sarcastic, and sometimes just foul and abusive. I wrote the middle kind to Target and I hope somebody gets a laugh. And sends me a giftcard.