Our Barnes and Noble credit – Piggington's Econo-Almanac

January 25, 2009 at 7:45 PM #336402

Participant

Our Barnes and Noble credit card got cut from $1200 limit to $500 limit, “to better fit our spending profile” (or something similar).

I would say that the letter is a mail merge, where the reason is selected randomly from a list of plausible phrases generated by marketroids.