When you're over 60 days late with a credit card payment, you can get slapped with a higher-than-average APR – usually around 29.99%. You'll need to make six consecutive on-time payments before ...

That, in effect, is what you would be saying, however it was worded. Next year, do as you like -- send cheaper and easier greetings or none at all. But Miss Manners does not condone negative ...