I got email the other day from our credit card. Mind you I have had no balance on our card in a month. I paid it in full May 20th. So the email says. How will you use your credit limit. Something like that. Then it was a ad to use your credit card for your next purchase. Then bring up Fathers Day is coming up. Yeah well not using it now. There is nothing that is a monthly charge to our credit card. I changed everything to go to our debit card. So it comes out of our checking. What has me is the interest. There was 10$ on it that I forgot was coming to the card. That went there before I changed everything to our debit card. To find a new total of 15.15$. That the difference was interest charges. I paid it immediately. Then when they said Citibank got hacked into the other week. I been checking my account every few days. I think the credit cards get annoyed when they don't have customers with balances on their cards collecting interest.