We have been auto pay for years. We are pretty much paperless and receive very little mail. No billing or payments are snail mail. All of our correspondence are set up for email. Why this last was not e mailed is unknown to me, it should have been. Anyway I'll just pay off the $75+- balance and not use the card. To cancel it is a knock on your credit. I was told, by a person in sales I trust, that because of the free credit check laws what you get is a small part of what is actually considered when applying for a loan. This is actually not my point. My point is this was the last straw. Stick a fork in me I'm done.