Re:junk mail and non-junk mail. I've just come across something odd and a little annoying in the last couple of month. Our credit union changed credit card systems, and issued new cards. One day an envelope turned up with only a street address for a return, and "important" printed in big letters. I almost trashed it unopened, as I've never seen that combination on anything but junk before. Turns out that is how our credit card billing comes now.