You open the mailbox and there’s an envelope addressed to you. It’s not a bill (who wants bills???) so you tear open the envelope. Is it a letter from your favorite aunt? Is it a few photographs from a friend’s recent trip? Is it a letter from a secret admirer?

No, it’s a letter from your credit card company and they’re writing to tell you some exciting news: You’ve been approved for a higher credit limit. All you need to do is call them back and tell them that you’re interested in accepting it.