With people out of work and times as they are on today May 11, 2020, I cannot believe that this company would send me mail suggesting that I was intentionally abusing the credit they granted me. HOW INSENSITIVE CAN A COMPANY BE!!! Until stimulus checks and unemployment was received by my children; I was helping them. To receive this kind of letter because I was $10 underpaid on my last payment!! My *** User's recommendation: DON'T DO IT!