Dear MP$40 It is urgent that you telephone our office at once. Call Monday-Friday 7:30am-4:30pm PST. Please ask for XXXX XXXX at ext. XXXX. Sincerely, XXXX XXXX Credit Services Keep in mind that I have my card in my posession, last time I used it was Sunday night for $25, made my payment on the 9th of this month via the internet and the money has been taken from my account already, and I've never paid late and have always stayed way below my limit of $300. I'm baffled as to WHY they would send me this sort of letter.