"Dear Jason8612,
We want to be your number one credit card. We noticed that you recently made large charges to your United Platinum Visa account and want to make sure we’re not losing your business. That’s why we want to remind you again that it's best to only send in the minimum payment on your rather large balance. You then do not have to worry about paying all those charges at once.–it’s our way of showing you that your business is important to us.*"

in the bottom fine print
*Your new APR is 32.8%