1. Your credit card company changes the interval from statement (the day they print out the paper) to payment (the day they receive your payment) from 24 to 21 days. There has been no corresponding increase in the post office's efficiency in moving the statement to and the payment fro.
2. Simultaneously, your credit card company changes its interest rate from 19.75% to 24.75%. This 5% increase is not accompanied by any increase in services, or even prompted by any change in the number of times the card's been whipped out.
Must remember to buy some stamps.