You're telling me

Today, I received a very nice informative letter from MBNA Europe Bank Ltd about one of my credit cards. Here are two extracts from it: “We are writing to you to inform you of important changes to your credit card’s terms and conditions. Please read the enclosed leaflet ‘Important changes to your credit card’s terms and conditions….” “For details on how to make the most of your credit card, please read the enclosed leaflet ‘How to make the most of your credit card’….” Thanks, I'd never have known.