Yet another credit card application mass-mailing from Halifax. This kind of thing annoys me so much. This is what email and spam filters are designed for. If you're going to send mail to (I assume) every one of your many thousands of customers, and it's likely that 99 out of 100 of them will throw it right in the trash, why put it on paper? Waste of money, waste of resources, waste of energy. And if you get one of these, you have to open it (it looks just like a bank statement or other legitimate communication). Bastards.

They were even confident enough of my ignorance/financial desparation to include a pre-paid business return envelope. Fools. I used it.