Ruiner = owned again v.2 identity theft again

[{X}Echo419]

.....*edit* Apparently MBNA automatically switched me from a Mastercard to an AMEX card as I didn't reply back to their letters and tell them that they couldn't. What kind of fucked-up shit is that? They automatically switch me if I don't respond back? .....

2 things:

1. v2. so this has happened b4?
2. you should read ALL letters from the CC companies. ever notice that when a bill is due they call you but if they want to do something that they don't think you'll like, ex. raise your intrest rate they send a letter. it's because they know 90% of people won't read they letter alowing them to do whatever they want. all they have to say is, "we sent you a letter and gave you X days to contact us."