"Due to regulatory changes in the Credit Card Act of 2009, the terms of your credit agreement are changed as follows: Payments are now due on the 28th day of each month. Interest will still accrue each day until a payment is received. If you want to avoid the additional increase this month, you may still make a payment on your regular payment date. Additionally, if you already have an automatic draft set up, we will continue to apply payments based on those agreed upon terms unless you contact us to change it. If you have any questions, we can be reached at 904-757-5562."