I believe it was Capital 1 that researched generic envelope designs for their bills so that customers would intentionally throw them out so they could late fees & finance charges.
I use to receive their CC application so much, that rather than just throwing them out, I'd send in the application with all the garbage that came in the original mail back to them in their postage paid envelope they included (minus the form with my name on it). Actually, it was credit card application merry-go-round. I would send Chase a Capital One application, Capital One a MBNA application, and MBNA a Capital One application.
That is, until they actually started printing a barcode on the return envelope to track people that did this.
I love my Costco Amex card BTW. In addition to stuffing my fat ass with food from Costco, I get 3% cash back on travel, 2% on dining out, and 1% cash back on all other purchases. It comes back to you in a costco check which you can cash in at costco without buying anything.
